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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
Featured Certificate rates
Rates as of: Aug. 10, 2022
2.00%*
3 months
2.30%*
6 months
2.60%*
12 months
Under $100,000
2.85%*1
13 months
$1,000,000 to $5,000,000
*Effective annual yield
Ameriprise® Flexible Savings Certificate
Rates as of Aug. 10, 2022
| Investment Amount | New Purchases | Renewals | ||
|---|---|---|---|---|
| Under $100,000 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 3 months | 1.99% | 2.00% | 1.99% | 2.00% |
| 6 months | 2.28% | 2.30% | 2.28% | 2.30% |
| 7 months1 | 2.28% | 2.30% | N/A | N/A |
| 9 months | 2.43% | 2.45% | 2.43% | 2.45% |
| 12 months | 2.57% | 2.60% | 2.57% | 2.60% |
| 18 months | 2.67% | 2.70% | 2.67% | 2.70% |
| 24 months | 2.87% | 2.90% | 2.87% | 2.90% |
| 30 months | 3.06% | 3.10% | 3.06% | 3.10% |
| 36 months | 3.26% | 3.30% | 3.26% | 3.30% |
| $100,000 and above | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 3 months | 2.02% | 2.03% | 2.02% | 2.03% |
| 6 months | 2.31% | 2.33% | 2.31% | 2.33% |
| 7 months1 | 2.31% | 2.33% | N/A | N/A |
| 9 months | 2.46% | 2.48% | 2.46% | 2.48% |
| 12 months | 2.60% | 2.63% | 2.60% | 2.63% |
| 18 months | 2.70% | 2.73% | 2.70% | 2.73% |
| 24 months | 2.90% | 2.93% | 2.90% | 2.93% |
| 30 months | 3.09% | 3.13% | 3.09% | 3.13% |
| 36 months | 3.29% | 3.34% | 3.29% | 3.34% |
| $1,000,000 to $5,000,0001 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 13 months | 2.82% | 2.85% | N/A | N/A |
Ameriprise® Cash Reserve Certificate
Rates as of Aug. 10, 2022
| Balance Amount | Interest Rate | Effective Annual Yield |
|---|---|---|
| Under $10,000 | 0.10% | 0.10% |
| Between $10,000 and $24,999 | 0.10% | 0.10% |
| $25,000 and above | 0.10% | 0.10% |
Ameriprise® Step-Up Rate Certificate
Rates as of Aug. 10, 2022
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 | 2.48% | 2.50% |
| 3 Year | 2.67% | 2.70% |
| 4 Year | 2.87% | 2.90% |
Ameriprise® Stock Market Certificate
| Full Participation Effective for Terms Starting: Aug. 17, 2022 |
Partial Participation Effective for Terms Starting: Aug. 17, 2022 |
Full Participation Effective for Terms Starting: Aug. 24, 2022 |
Partial Participation Effective for Terms Starting: Aug. 24, 2022 |
|
|---|---|---|---|---|
| Maximum Return - 52 week term | 3.30% | 3.30% | 3.30% | 3.30% |
| Minimum Return - 52 week term | 0.00% | 0.50% | 0.00% | 0.50% |
| Maximum Return - 104 week term | 7.80% | 7.80% | 7.80% | 7.80% |
| Minimum Return - 104 week term | 0.00% | 1.55% | 0.00% | 1.55% |
| Maximum Return - 156 week term | 13.50% | 13.50% | 13.50% | 13.50% |
| Minimum Return - 156 week term | 0.00% | 3.15% | 0.00% | 3.15% |
| Full Participation | Partial Participation | Effective Date | |
|---|---|---|---|
| Market Participation - all terms | 100% | 25% | |
| Interim Interest Rate3 | 0.20% | 17-Aug-2022 | |
| 0.20% | 24-Aug-2022 | ||
| S&P 500 Closing Index Value | 4091.19 | 2-Aug-2022 |
1 Pre-approval required for all certificates in amounts of $2M or greater. 13-month certificate ($1,000,000 minimum investment) automatically renews to 12-Month term. 7-month certificate automatically renews to 6-Month term.
2 Certificate holders electing to step up will receive the higher of the current Interest Rate/Step-Up Rate (with corresponding yield) or the Guaranteed Minimum Step-Up Rate. Refer to the prospectus or renewal letter for a description of the Guaranteed Minimum Step-Up Rate. Should the Guaranteed Minimum Step-Up Rates ever be higher than the corresponding current interest rates, the guaranteed rate (or corresponding yield) information will be displayed here.
3 When your application is accepted, we pay interim interest to your account for the time before your first term begins. We also pay interim interest for the 14-day period between terms unless you write or call to ask us to begin your next term earlier.
Certificates are backed by reserves of cash and qualified assets on deposit of Ameriprise Certificate Company and are not federally or FDIC insured, and include investment risk, including possible loss of principal. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. These assets have risks, including credit risk, interest rate risk, prepayment and extension risk.
As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company will (absent exclusion or exemption) be required to comply with certain limits on its activity, including investment and/or trading limitations on its portfolio and other limitations under applicable banking laws. Compliance with bank holding company laws and regulation could impact the structure and availability of certain of our products and our costs in providing those products. Costs of compliance may be driven by how these laws and regulations and the scale of Ameriprise Bank evolves over the course of time.
You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. Download a free prospectus, which contains this and other important information about our certificates. Read the prospectus carefully before you invest.
Rates apply to initial term of certificate and may be higher or lower for future terms, and are subject to change each week. (For the Ameriprise Flexible Savings Certificate, Cash Reserve Certificate, Installment Certificate and Step Up Rate 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.) Your confirmation statement will show the actual rate for your certificate.
Rates subject to daily change. Not all rate updates occur simultaneously.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Ameriprise Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.