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: July 28, 2021

0.05%*

6 months

0.10%*

12 months

0.30%*

36 months

Under $100,000

*Effective annual yield

Ameriprise® Flexible Savings Certificate

Rates as of July 28, 2021

 

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.03% 0.03% 0.03% 0.03%
6 months 0.05% 0.05% 0.05% 0.05%
7 months1 0.10% 0.10% N/A N/A
9 months 0.10% 0.10% 0.10% 0.10%
12 months 0.10% 0.10% 0.10% 0.10%
18 months 0.15% 0.15% 0.15% 0.15%
24 months 0.15% 0.15% 0.15% 0.15%
30 months 0.25% 0.25% 0.25% 0.25%
36 months 0.30% 0.30% 0.30% 0.30%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.08% 0.08% 0.08% 0.08%
6 months 0.10% 0.10% 0.10% 0.10%
7 months1 0.10% 0.10% N/A N/A
9 months 0.15% 0.15% 0.15% 0.15%
12 months 0.15% 0.15% 0.15% 0.15%
18 months 0.20% 0.20% 0.20% 0.20%
24 months 0.20% 0.20% 0.20% 0.20%
30 months 0.30% 0.30% 0.30% 0.30%
36 months 0.35% 0.35% 0.35% 0.35%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 0.35% 0.35% N/A N/A

 

Ameriprise® Cash Reserve Certificate

Rates as of July 28, 2021

 

Balance Amount Interest Rate Effective Annual Yield
Under $10,000 0.01% 0.01%
Between $10,000 and $24,999 0.01% 0.01%
$25,000 and above 0.01% 0.01%

 

Ameriprise® Step-Up Rate Certificate

Rates as of July 28, 2021

Note: The Step-Up Rate Certificate product closed to new sales on 4/1/2020.

 

Term Renewals/Step-Up Rate
  Interest Rate3 Effective Annual Yield
2 Year 0.35% 0.35%
3 Year 0.40% 0.40%
4 Year 0.35% 0.35%

 

Ameriprise® Stock Market Certificate

 

  Full Participation
Effective for Terms Starting:
Aug. 4, 2021
Partial Participation
Effective for Terms Starting:
Aug. 4, 2021
Full Participation
Effective for Terms Starting:
Aug. 11, 2021
Partial Participation
Effective for Terms Starting:
Aug. 11, 2021
Maximum Return - 52 week term 0.20% 0.20% 0.20% 0.20%
Minimum Return - 52 week term 0.00% 0.05% 0.00% 0.05%
Maximum Return - 104 week term 0.70% 0.70% 0.70% 0.70%
Minimum Return - 104 week term 0.00% 0.05% 0.00% 0.05%
Maximum Return - 156 week term 1.35% 1.35% 1.35% 1.35%
Minimum Return - 156 week term 0.00% 0.10% 0.00% 0.10%

 

 

  Full Participation Partial Participation Effective Date
Market Participation - all terms 100% 25%  
Interim Interest Rate4 0.10%   4-Aug-2021
0.10%   11-Aug-2021
S&P 500 Closing Index Value 4323.06   20-July-2021

 

Ameriprise® Installment Certificate

Rates as of July 28, 2021

 

Effective Annual Yield
3 months 0.25%

 

1 $10,000 minimum investment required for 7-Month Certificate. Automatically renews to 6-Month term. 
2 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.
3 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.
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.
See prospectus for important product-specific information including possible penalties for early withdrawal.
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. 
Ameriprise Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Ameriprise® Certificates are not federally or FDIC insured and involve investment risks including possible loss of principal.
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.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.