American Express National Bank CD rates

Every CD we track from American Express National Bank, by term, with each term’s place among the CDs we track and its terms of business.

Checked Nov 8, 2026Updated Nov 8, 2026

At each term

Its best rates

Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.

Every CD

10 months4.40%—

11 months3.65%—

1 year3.65%#88 of 176

14 months3.65%—

18 months3.65%#54 of 107

22 months4.40%—

2 years3.65%#56 of 134

3 years2.25%#59 of 98

4 years2.25%—

5 years3.00%#45 of 98

Early withdrawal penalty: Up to 1 year: 90 days of interest
Up to 4 years: 270 days of interest
Up to 5 years: 365 days of interest
Over 5 years: 540 days of interest
americanexpress.com, checked Nov 8, 2026
Grace period at maturity: 10 daysamericanexpress.com, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to your account monthlyamericanexpress.com, checked Nov 8, 2026
Where: Anywhere in the USamericanexpress.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

10 months4.40%—

11 months3.65%—

1 year3.65%#87 of 176

14 months3.65%—

18 months3.65%#53 of 107

22 months4.40%—

2 years3.65%#55 of 134

3 years2.25%#58 of 98

4 years2.25%—

5 years3.00%#44 of 98

Early withdrawal penalty: Up to 1 year: 90 days of interest
Up to 4 years: 270 days of interest
Up to 5 years: 365 days of interest
Over 5 years: 540 days of interest
americanexpress.com, checked Nov 8, 2026
Grace period at maturity: 10 daysamericanexpress.com, checked Nov 8, 2026
Interest compounds: dailyamericanexpress.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake

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