American Express 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer

American Express4.0/5

Rate (APY)
4.00% APY
Term
14 months
Minimum Deposit
$0
Promotion
N/A
Apply Now →on American Express's website

American Express offers a 14-month CD with a competitive 4.00% APY, which is appealing for those looking to invest without a minimum deposit. This flexibility, along with the lack of monthly fees, makes it a solid choice for both new and seasoned savers.

Pros:

  • No minimum deposit
  • Competitive APY

Cons:

  • Funding required within 60 days
  • Early withdrawal penalties apply

In conclusion, American Express's 14-month CD with a 4.00% APY is an excellent option for both novice and experienced savers seeking a flexible investment with no minimum deposit requirement. Its competitive rate and absence of monthly fees make it a standout choice for anyone looking to grow their savings.

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Summary of all rates from our cd rate pages. Click column headers to sort.

Provider ↕Rate ↓Term ↕Min Deposit
Bread Savings4.75% APY5 years$1,500Learn more
America First Federal Credit Union4.10% APY5 years$500Learn more
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CommunityWide Federal Credit Union4.10% APY6 months$1,000Learn more
Popular Direct4.10% APY6 months$10,000Learn more
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Live Oak Bank Personal4.10% APY12 months$2,500Learn more
Limelight Bank4.03% APY1 year$1,000Learn more
Marcus by Goldman Sachs4.00% APY1 year$500Learn more
Sallie Mae4.00% APY5 years$2,500Learn more
Marcus by Goldman Sachs High-Yield4.00% APY12 months$500Learn more
TAB Bank3.90% APY12 months$1,000Learn more
My Banking Direct3.80% APY6 months$2,500Learn more
Synchrony Bank3.75% APY5 years$0Learn more
BMO Alto3.60% APY5 years$0Learn more
LendingClub3.50% APY1 year$500Learn more

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