Certificate Rates
Ameriprise® Certificates
Ameriprise® Certificates offer guaranteed principal, various terms and competitive rates. They can be an ideal way to build your cash reserves.
Printer-friendly certificates rate sheet
Note: For the Ameriprise® Flexible Savings Certificate, Ameriprise® Cash Reserve Certificate and Ameriprise® Installment Certificate, your rate will be the higher of the rate in effect on the date your application is accepted by Ameriprise Certificate Company and funds are received, or the rate in effect seven days before that date.
Pre-approval required for all certificates in amounts of $2,000,000 or greater.
Featured Certificate rates
Rates as of: October 09, 2024
3.96%*
3 months
4.00%*
6 months
4.25%*
9 months
3.66%*
12 months
Under $100,000
Ameriprise® Flexible Savings Certificate
Rates as of October 09, 2024
Investment Amount | New Purchases | Renewals | ||
---|---|---|---|---|
Under $100,000 | ||||
Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
3 months | 3.89% | 3.96% | 3.89% | 3.96% |
6 months | 3.93% | 4.00% | 3.93% | 4.00% |
7 months1 | 3.93% | 4.00% | N/A | N/A |
9 months | 4.17% | 4.25% | 4.17% | 4.25% |
12 months | 3.60% | 3.66% | 3.60% | 3.66% |
18 months | 3.55% | 3.60% | 3.55% | 3.60% |
24 months | 3.40% | 3.45% | 3.40% | 3.45% |
30 months | 3.35% | 3.40% | 3.35% | 3.40% |
36 months | 3.35% | 3.40% | 3.35% | 3.40% |
$100,000 and above | ||||
Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
3 months | 3.98% | 4.05% | 3.98% | 4.05% |
6 months | 4.03% | 4.10% | 4.03% | 4.10% |
7 months1 | 4.03% | 4.10% | N/A | N/A |
9 months | 4.27% | 4.35% | 4.27% | 4.35% |
12 months | 3.69% | 3.75% | 3.69% | 3.75% |
18 months | 3.64% | 3.70% | 3.64% | 3.70% |
24 months | 3.50% | 3.55% | 3.50% | 3.55% |
30 months | 3.45% | 3.50% | 3.45% | 3.50% |
36 months | 3.45% | 3.50% | 3.45% | 3.50% |
$1,000,000 to $5,000,0001 | ||||
Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
13 months1 | 3.69% | 3.75% | N/A | N/A |
Ameriprise® Cash Reserve Certificate
Rates as of October 09, 2024
Balance Amount | Interest Rate | Effective Annual Yield |
---|---|---|
Under $10,000 | 1.99% | 2.00% |
Between $10,000 and $24,999 | 1.99% | 2.00% |
$25,000 and above | 1.99% | 2.00% |
Ameriprise® Step-Up Rate Certificate
Rates as of October 09, 2024
Note: The Step-Up Rate Certificate product closed to new sales on 4/1/2020.
Term | Renewals/Step-Up Rate | |
---|---|---|
Interest Rate2 | Effective Annual Yield | |
2 Year | 2.82% | 2.85% |
3 Year | 2.72% | 2.75% |
4 Year | 2.67% | 2.70% |
Ameriprise® Stock Market Certificate
Note: The Stock Market Certificate product closed to new sales and add-on payments on 8/18/2023.
Full Participation Effective for Terms Starting: October 16, 2024 |
Partial Participation Effective for Terms Starting: October 16, 2024 |
Full Participation Effective for Terms Starting: October 23, 2024 |
Partial Participation Effective for Terms Starting: October 23, 2024 |
|
---|---|---|---|---|
Maximum Return - 52 week term | 3.65% | 3.65% | 3.65% | 3.65% |
Minimum Return - 52 week term | 0.00% | 0.95% | 0.00% | 0.95% |
Maximum Return - 104 week term | 6.90% | 6.90% | 6.90% | 6.90% |
Minimum Return - 104 week term | 0.00% | 1.75% | 0.00% | 1.75% |
Maximum Return - 156 week term | 10.20% | 10.20% | 10.20% | 10.20% |
Minimum Return - 156 week term | 0.00% | 2.50% | 0.00% | 2.50% |
Full Participation | Partial Participation | Effective Date | |
---|---|---|---|
Market Participation - all terms | 100% | 25% | |
Interim Interest Rate3 | 0.95% | 16-October-2024 | |
0.95% | 23-October-2024 | ||
S&P 500 Closing Index Value | 5708.75 | 01-October-2024 |
Ameriprise® Installment Certificate
Rates as of October 09, 2024
2% surrender charge will apply for withdrawals of principal within the first 3 years of initial purchase.
Term | Interest rate | Effective annual Yield |
---|---|---|
3 months | 3.84% | 3.90% |