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Certificate Rates

Limited Time Promotional Certificate Offer

Until December 21, Ameriprise Financial is offering a promotional, nonqualified 7-month Ameriprise® Flexible Savings Certificate with an annual percentage yield (APY) of 0.35% for eligible deposits.1

  • Minimum deposit of $10,000 is required, and this minimum must be maintained throughout the promotion to be eligible.
  • Internal transfers from Ameriprise brokerage accounts, Ameriprise certificate products or any Ameriprise affiliate are only eligible for the promotion if the amount transferred is new money ($10,000 minimum) that has been applied within the previous seven calendar days.
  • Qualified certificate accounts and money from previous promotions are not eligible for this promotion.
  • More details available below and with the Promotion Overview

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: Oct. 13, 2021

0.05%*

6 months

0.35%*

7 months

0.10%*

12 months

Under $100,000

*Effective annual yield

Ameriprise® Flexible Savings Certificate

Rates as of Oct. 13, 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-month Promotion1 0.35% 0.35% N/A N/A
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 0.20% 0.20% 0.20% 0.20%
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-month Promotion1 0.35% 0.35% N/A N/A
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 0.25% 0.25% 0.25% 0.25%
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 Oct. 13, 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 Oct. 13, 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:
Oct. 20, 2021
Partial Participation
Effective for Terms Starting:
Oct. 20, 2021
Full Participation
Effective for Terms Starting:
Oct. 27, 2021
Partial Participation
Effective for Terms Starting:
Oct. 27, 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%   20-Oct-2021
0.10%   27-Oct-2021
S&P 500 Closing Index Value 4345.72   5-Oct-2021

 

Ameriprise® Installment Certificate

Rates as of Oct. 13, 2021

 

Effective Annual Yield
3 months 0.25%

 

1 $10,000 minimum investment required for 7-Month Certificate. Automatically renews to 6-Month term. For the promotional certificate only: Eligible deposits are defined as deposits from external sources made to a promotional Ameriprise Certificate after September 1, 2021 and through December 21, 2021. The promotional, nonqualified 7-month Ameriprise Flexible Savings Certificate offer may be withdrawn at any time and is subject to change without notice. Restrictions apply. Tax-qualified certificate accounts and money from prior promotions are not eligible for this promotion.
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.
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 federally or FDIC-insured, 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.