American Express 2026 Review

Mat C.
Written by Mat C.
Managing Editor & Senior Developer
Mika L.
Edited by Mika L.
Financial Content & Editor

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
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Popular Direct4.17% APY1 year$10,000Learn more
BTG Pactual4.15% APY1 year$500Learn more
Bread Savings4.00% APY6 months$1,500Learn more
CommunityWide Federal Credit Union4.00% APY6 months$1,000Learn more
SF Fire Credit Union4.00% APY7 months$250Learn more
Marcus by Goldman Sachs3.80% APY5 years$500Learn more
First Internet Bank of Indiana3.76% APY6 months$1,000Learn more
Synchrony Bank3.75% APY5 years$0Learn more
Big Horn Federal Savings Bank3.691% APY5 years$500Learn more
AbleBanking3.50% APY6 months$5,000Learn more
Farmers and Merchants Bank3.50% APY12 months$1,000Learn more

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