American Express National Bank CD Rates — October 2026
As of October 22, 2026, American Express National Bank's highest CD rate is 4.40% APY on a 10-month promotional CD. That is 2.5 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
American Express National Bank CD rates
Available online to U.S. residents in every state.
| Term | Product | APY |
|---|---|---|
| 10 months | Certificate of Deposit (CD) Promotional | 4.40%Verified October 22, 2026 |
| 11 months | Certificate of Deposit (CD) Promotional | 3.65%Verified October 22, 2026 |
| 12 months | Certificate of Deposit (CD) Promotional | 3.65%Verified October 22, 2026 |
| 14 months | Certificate of Deposit (CD) Promotional | 3.65%Verified October 22, 2026 |
| 18 months | Certificate of Deposit (CD) Promotional | 3.65%Verified October 22, 2026 |
| 22 months | Certificate of Deposit (CD) Promotional | 4.40%Verified October 22, 2026 |
| 24 months | Certificate of Deposit (CD) Promotional | 3.65%Verified October 22, 2026 |
| 36 months | Certificate of Deposit (CD) Promotional | 2.25%Verified October 22, 2026 |
| 48 months | Certificate of Deposit (CD) Promotional | 2.25%Verified October 22, 2026 |
| 60 months | Certificate of Deposit (CD) Promotional | 3.00%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are American Express National Bank's best CD rates by term?
American Express National Bank's best rate is 4.40% APY on 10 months, verified October 22, 2026.
- 10 mo4.40%
- 11 mo3.65%
- 12 mo3.65%
- 14 mo3.65%
- 18 mo3.65%
- 22 mo4.40%
- 24 mo3.65%
- 36 mo2.25%
- 48 mo2.25%
- 60 mo3.00%
How American Express National Bank compares
- Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
- Popular Direct: best 5.00% APY on 60 months.
- Barclays: best 4.75% APY on 24 months.
- Sallie Mae Bank: best 4.75% APY on 60 months.
- 1-year Treasury: 4.51% APY-equivalent.
Rate changes
No changes since we started tracking American Express National Bank on October 22, 2026.
About American Express National Bank
- Legal name
- American Express National Bank
- Regulator ID
- FDIC 27471
- Headquarters
- Sandy, UT
- Available in
- All states (online)
- Also known as
- American Express, Amex
- Website
- www.americanexpress.com
Source: rates read from https://www.americanexpress.com/en-us/banking/online-savings/cd-account/. See the page text we read.
Frequently asked questions
What is the highest CD rate at American Express National Bank?
4.40% APY on a 10-month promotional CD, as of October 22, 2026.
How does American Express National Bank's best CD rate compare with Treasury yields?
4.40% APY is −0.11% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are American Express National Bank CDs insured?
American Express National Bank is an FDIC-insured bank (FDIC 27471). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check American Express National Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from American Express National Bank's website and may change at any time. Confirm terms, minimums and eligibility with American Express National Bank before opening an account. This page is not financial advice.