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.

Frequently Asked Questions

Compare CD Rates

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

Provider ↕Rate ↓Term ↕Min Deposit
Newtek Bank4.20% APY9 months$2,500Learn more
Langley FCU4.11% APY14 months$500Learn more
Limelight Bank4.10% APY1 year$1,000Learn more
America First Federal Credit Union4.10% APY5 years$500Learn more
SchoolsFirst Federal Credit Union4.10% APY5 years$500Learn more
Synchrony Bank4.10% APY14 months$0Learn more
Capital One4.10% APY11 months$0Learn more
Marcus by Goldman Sachs4.05% APY6 months$500Learn more
Popular Direct4.05% APY1 year$10,000Learn more
Sallie Mae Bank4.00% APY5 years$2,500Learn more
Bread Savings4.00% APY6 months$1,500Learn more
Colorado Federal Savings Bank4.00% APY6 months$5,000Learn more
American Express4.00% APY14 months$0Learn more
TAB Bank3.90% APY1 year$1,000Learn more
Bask Bank3.90% APY6 months$1,000Learn more
NASA Federal Credit Union3.85% APY6 months$1,000Learn more
BTG Pactual Bank3.80% APY5 years$500Learn more
The Golden 1 Credit Union3.80% APY5 years$500Learn more

Related Guides