American Express 12-Month CD
APY
4.22%
Min. to Open
None required
Monthly Fee
No monthly fee
Welcome Bonus
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American Express 12-Month CD
American Express 12-Month CD
4.22% APY; 12-month. April 2026.
Our take
Solid 1-year CD with Amex’s digital experience.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
Is this account right for you?
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Full details
Rate & Earnings
| APY | 4.22% |
| APY conditions | 12-month CD |
| Minimum balance for APY | None required |
Fees & Requirements
| Monthly fee | No monthly fee |
| Minimum to open | None required |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
Frequently asked questions
What is the current APY on this account?
The current APY is 4.22%. 12-month CD
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
Are there any hidden fees?
This account has no monthly maintenance fee. Always review the full fee schedule for wire transfer, outgoing transfer, or other service fees.
American Express 12-Month CD