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
Note: For the Ameriprise® Flexible Savings Certificate, Ameriprise® Cash Reserve Certificate and Ameriprise® Installment 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.
Pre-approval required for all certificates in amounts of $2,000,000 or greater.
Limited time offer:
For new 7-month Flexible Savings Certificate IRA or retirement accounts, clients will receive a promotional rate4 when funded with $10,000 or more from an external source5.
Current promotional rates for 7-month IRA Certificates
| Investment amount | Interest rate | Effective annual yield |
|---|---|---|
| <$100,000 | 4.14% | 4.21% |
| $100,000+ | 4.23% | 4.31% |
Visit the Ameriprise Flexible Savings Certificate Promotion Overview to review the full offer details and eligibility requirements.
Featured Certificate rates
Rates as of: February 19, 2025
3.90%*
3 months
3.96%*
6 months
4.21%*+
7 months
3.75%*
12 months
Under $100,000
Ameriprise® Flexible Savings Certificate
Rates as of February 19, 2025
| Investment Amount | New Purchases | Renewals | ||
|---|---|---|---|---|
| Under $100,000 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 3 months | 3.84% | 3.90% | 3.84% | 3.90% |
| 6 months | 3.89% | 3.96% | 3.89% | 3.96% |
| 7 months1 | 3.89% | 3.96% | N/A | N/A |
| 9 months | 3.89% | 3.96% | 3.89% | 3.96% |
| 12 months | 3.69% | 3.75% | 3.69% | 3.75% |
| 18 months | 3.64% | 3.70% | 3.64% | 3.70% |
| 24 months | 3.40% | 3.45% | 3.40% | 3.45% |
| 30 months | 3.35% | 3.40% | 3.35% | 3.40% |
| 36 months | 3.35% | 3.40% | 3.35% | 3.40% |
| $100,000 and above | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 3 months | 3.93% | 4.00% | 3.93% | 4.00% |
| 6 months | 3.98% | 4.05% | 3.98% | 4.05% |
| 7 months1 | 3.98% | 4.05% | N/A | N/A |
| 9 months | 3.98% | 4.05% | 3.98% | 4.05% |
| 12 months | 3.79% | 3.85% | 3.79% | 3.85% |
| 18 months | 3.74% | 3.80% | 3.74% | 3.80% |
| 24 months | 3.50% | 3.55% | 3.50% | 3.55% |
| 30 months | 3.45% | 3.50% | 3.45% | 3.50% |
| 36 months | 3.45% | 3.50% | 3.45% | 3.50% |
| $1,000,000 to $5,000,0001 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 13 months1 | 3.79% | 3.85% | N/A | N/A |
Ameriprise® Cash Reserve Certificate
Rates as of February 19, 2025
| Balance Amount | Interest Rate | Effective Annual Yield |
|---|---|---|
| Under $10,000 | 1.99% | 2.00% |
| Between $10,000 and $24,999 | 1.99% | 2.00% |
| $25,000 and above | 1.99% | 2.00% |
Ameriprise® Step-Up Rate Certificate
Rates as of February 19, 2025
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 | 2.82% | 2.85% |
| 3 Year | 2.72% | 2.75% |
| 4 Year | 2.67% | 2.70% |
Ameriprise® Stock Market Certificate
Note: The Stock Market Certificate product closed to new sales and add-on payments on 8/18/2023.
| Full Participation Effective for Terms Starting: February 26, 2025 |
Partial Participation Effective for Terms Starting: February 26, 2025 |
Full Participation Effective for Terms Starting: March 05, 2025 |
Partial Participation Effective for Terms Starting: March 05, 2025 |
|
|---|---|---|---|---|
| Maximum Return - 52 week term | 3.95% | 3.95% | 3.95% | 3.95% |
| Minimum Return - 52 week term | 0.00% | 1.05% | 0.00% | 1.05% |
| Maximum Return - 104 week term | 7.25% | 7.25% | 7.25% | 7.25% |
| Minimum Return - 104 week term | 0.00% | 1.90% | 0.00% | 1.90% |
| Maximum Return - 156 week term | 10.70% | 10.70% | 10.70% | 10.70% |
| Minimum Return - 156 week term | 0.00% | 2.65% | 0.00% | 2.65% |
| Full Participation | Partial Participation | Effective Date | |
|---|---|---|---|
| Market Participation - all terms | 100% | 25% | |
| Interim Interest Rate3 | 0.95% | 26-February-2025 | |
| 0.95% | 05-March-2025 | ||
| S&P 500 Closing Index Value | 6068.50 | 11-February-2025 |
Ameriprise® Installment Certificate
Rates as of February 19, 2025
2% surrender charge will apply for withdrawals of principal within the first 3 years of initial purchase.
| Term | Interest rate | Effective annual Yield |
|---|---|---|
| 3 months | 3.84% | 3.90% |
113-month certificate ($1.000.000 minimum investment) automatically renews to 12-Month term. 7-month certificate automatically renews to 6-Month term.
2Certificate 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.
3When 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.
4This offer may be withdrawn at any time and is subject to change without notice. Restrictions apply. Non-qualified Certificate accounts, Coverdell Education Savings Accounts (CESAs), 403(b)s and 529 plans are not eligible for this promotion.
5Eligible deposits are defined as IRA or retirement deposits from external sources made to a promotional Ameriprise Certificate between February 12, 2025 and May 6, 2025. A $10,000 minimum eligible deposit required for this 7-month promotional Ameriprise® Flexible Savings Certificate. After promotional term, the 7-month Certificate will automatically renew to a 6-month Ameriprise® Flexible Savings Certificate. Pre-approval is required for all Certificates in amounts of $2 million or greater.
You should understand the potential benefits and risks of an IRA rollover or transfer before implementing. As with any decision that has tax implications, you should consult with your tax adviser prior to implementing an IRA rollover or transfer. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
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.
Certificates are backed by the assets of Ameriprise Certificate Company (ACC). ACC is not a bank, and the securities it offers are not deposits or obligations of, or backed or guaranteed or endorsed by, any bank or financial institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Federal Reserve Board or any other agency. Although ACC’s qualified assets on deposit currently exceed the deposit amounts required by applicable regulations, if there are losses on ACC’s assets, ACC may not have sufficient resources to meet its obligations, including making interest and/or principal payments on your certificates. Most of ACC's assets are debt securities and are subject to risks including credit risk, interest rate risk and prepayment and extension risk.
As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company (ACC) is (absent exclusion or exemption) 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. Failure to meet one or more of certain requirements and regulations would mean, depending on the requirements not met and any agreement then reached with the Board of Governors for the Federal Reserve System, that Ameriprise Financial (and therefore ACC) could not undertake new activities, continue certain activities, or make certain acquisitions until such violation is cured.
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, and Installment 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.