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axp-global-header__dls-module__btnSm___2iwWq axp-global-header__dls-module__btnIcon___Yc2xg axp-global-header__GlobalHeader__vertNavMenuButton___1FIS5 axp-global-header__GlobalHeader__menuPd___7u5Sz axp-global-header__GlobalHeader__list___eg7fM css-1d23vup"><svg viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" width="1em" height="1em"><path d="M43.5 39a1.5 1.5 0 010 3h-39a1.5 1.5 0 010-3h39zm0-16.5a1.5 1.5 0 010 3h-39a1.5 1.5 0 010-3h39zm0-16.5a1.5 1.5 0 010 3h-39a1.5 1.5 0 010-3h39z"></path></svg></span></span><span aria-label="Close Menu" name="closemenudesktop" id="closemenudesktop" aria-expanded="true" tabindex="0" role="button" class="axp-global-header__GlobalHeader__focMen___38EXo axp-global-header__GlobalHeader__open___2z8sT axp-global-header__dls-module__btn___3VhJY axp-global-header__dls-module__btnSm___2iwWq axp-global-header__dls-module__btnIcon___Yc2xg axp-global-header__dls-module__hiddenSmDown___7zgQf"><style data-emotion="css 1d23vup">.css-1d23vup{display:inline-block;line-height:1;vertical-align:middle;font-size:1.375rem;}.css-1d23vup::before{font-size:1.375rem;}</style><span class="axp-global-header__GlobalHeader__list___eg7fM axp-global-header__dls-module__pad0LXsUp___yBhX3 css-1d23vup"><svg viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" width="1em" height="1em"><path d="M24 21.879l15.439-15.44a1.5 1.5 0 012.224 2.007l-.103.114L26.12 24l15.44 15.438a1.5 1.5 0 01.103 2.008l-.103.114a1.5 1.5 0 01-2.007.103l-.114-.103L24 26.12 8.561 41.56a1.5 1.5 0 01-2.007.103l-.114-.103a1.5 1.5 0 01-.103-2.008l.103-.114L21.88 24 6.44 8.56a1.5 1.5 0 01-.103-2.007l.103-.114a1.5 1.5 0 012.007-.103l.114.103L24 21.879l15.439-15.44L24 21.879z"></path></svg></span><span>Menu</span></span><span aria-label="Close Menu" name="closemenumobile" id="closemenumobile" aria-expanded="true" tabindex="0" role="button" class="axp-global-header__GlobalHeader__focMen___38EXo axp-global-header__GlobalHeader__open___2z8sT axp-global-header__dls-module__hiddenMdUp___2R91O"><style data-emotion="css 1d23vup">.css-1d23vup{display:inline-block;line-height:1;vertical-align:middle;font-size:1.375rem;}.css-1d23vup::before{font-size:1.375rem;}</style><span class="axp-global-header__dls-module__btn___3VhJY axp-global-header__dls-module__btnSm___2iwWq axp-global-header__GlobalHeader__menuPd___7u5Sz axp-global-header__GlobalHeader__list___eg7fM axp-global-header__dls-module__btnIcon___Yc2xg axp-global-header__GlobalHeader__vertNavMenuButton___1FIS5 css-1d23vup"><svg viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" width="1em" height="1em"><path d="M24 21.879l15.439-15.44a1.5 1.5 0 012.224 2.007l-.103.114L26.12 24l15.44 15.438a1.5 1.5 0 01.103 2.008l-.103.114a1.5 1.5 0 01-2.007.103l-.114-.103L24 26.12 8.561 41.56a1.5 1.5 0 01-2.007.103l-.114-.103a1.5 1.5 0 01-.103-2.008l.103-.114L21.88 24 6.44 8.56a1.5 1.5 0 01-.103-2.007l.103-.114a1.5 1.5 0 012.007-.103l.114.103L24 21.879l15.439-15.44L24 21.879z"></path></svg></span></span></label></div><div><style data-emotion-css="zmpgl6">.css-zmpgl6{-webkit-text-decoration:underline;text-decoration:underline;padding-top:0.828125rem;padding-bottom:0.828125rem;min-width:2.75rem;min-height:2.75rem;display:inline-block;}.css-zmpgl6:hover{color:#0065bd;}.css-zmpgl6:active{color:#005aa8;}.css-zmpgl6:focus{outline:none;}.css-zmpgl6:focus span:only-child{outline:dashed 1px #53565a;outline-offset:3px;}</style><a href="https://www.americanexpress.com?inav=NavLogo" tabindex="-1" title="Homepage" class="display-inline-block axp-global-header__GlobalHeader__logoNavLink___3Kj66 css-zmpgl6"><span><span tabindex="0" class="axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY axp-global-header__dls-module__dlsLogoBlueboxSolidSm___13LtE axp-global-header__GlobalHeader__media_width_low___1WXb4"><img src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/1.8.0/package/dist/img/logos/dls-logo-bluebox-solid.svg" alt="American Express"/></span><span tabindex="0" class="axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY axp-global-header__dls-module__dlsLogoStackSm___3ssQI undefined axp-global-header__GlobalHeader__closed___35m2e axp-global-header__GlobalHeader__media_width_high___1ViXM axp-global-header__dls-module__hiddenSmDown___7zgQf"><img src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/1.8.0/package/dist/img/logos/dls-logo-stack.svg" alt="American Express"/></span><span tabindex="0" class="axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY axp-global-header__dls-module__dlsLogoStackSm___3ssQI undefined axp-global-header__GlobalHeader__open___2z8sT axp-global-header__GlobalHeader__media_width_high___1ViXM axp-global-header__dls-module__hiddenSmDown___7zgQf"><img src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/1.8.0/package/dist/img/logos/dls-logo-stack-white.svg" alt="American Express"/></span><span tabindex="0" class="axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY axp-global-header__dls-module__dlsLogoStackXs___tfyDg undefined axp-global-header__GlobalHeader__closed___35m2e axp-global-header__dls-module__hiddenMdUp___2R91O"><img src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/1.8.0/package/dist/img/logos/dls-logo-stack.svg" alt="American Express"/></span><span tabindex="0" class="axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY axp-global-header__dls-module__dlsLogoStackXs___tfyDg undefined axp-global-header__GlobalHeader__open___2z8sT axp-global-header__dls-module__hiddenMdUp___2R91O"><img src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/1.8.0/package/dist/img/logos/dls-logo-stack-white.svg" alt="American Express"/></span></span></a></div><div class="axp-global-header__GlobalHeader__media_width_low___1WXb4"><div><input type="radio" aria-describedby="aria-intro" class="axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabCloser___2jJeH" name="axp-global-header__Tabs__tabOpener___1UPD9" aria-label="tab-closer" tabindex="-1" checked=""/><ul class="axp-global-header__Tabs__navTabs___XEPHn axp-global-header__dls-module__navMenu___2v96a" id="menu"><li class="axp-global-header__dls-module__navItem___2SJY5 undefined" data-child-selection="true" data-collapsing="true" aria-labelledby="axp-global-header__Tabs__tabOpener___1UPD9-myAccount"><input type="radio" aria-label="label-myAccount" class="axp-global-header__Tabs__tabOpen___1K4kz axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabOpener___1UPD9-myAccount" name="axp-global-header__Tabs__tabOpener___1UPD9" tabindex="-1"/><label aria-expanded="false" role="button" class="axp-global-header__Tabs__closedLabel___2Xajz axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabOpener___1UPD9-myAccount" id="label-tab-open-myAccount" tabindex="0">My Account</label><label aria-expanded="true" role="button" class="axp-global-header__Tabs__openLabel___27qRR axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabCloser___2jJeH" id="label-tab-close-myAccount" tabindex="0"><span>My Account</span></label></li><li class="axp-global-header__dls-module__navItem___2SJY5 undefined" data-child-selection="true" data-collapsing="true" aria-labelledby="axp-global-header__Tabs__tabOpener___1UPD9-cards"><input type="radio" aria-label="label-cards" class="axp-global-header__Tabs__tabOpen___1K4kz axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabOpener___1UPD9-cards" name="axp-global-header__Tabs__tabOpener___1UPD9" tabindex="-1"/><label aria-expanded="false" role="button" class="axp-global-header__Tabs__closedLabel___2Xajz axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabOpener___1UPD9-cards" id="label-tab-open-cards" tabindex="0">Cards</label><label aria-expanded="true" role="button" class="axp-global-header__Tabs__openLabel___27qRR axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabCloser___2jJeH" id="label-tab-close-cards" tabindex="0"><span>Cards</span></label></li><li class="axp-global-header__dls-module__navItem___2SJY5 undefined" data-child-selection="true" data-collapsing="true" aria-labelledby="axp-global-header__Tabs__tabOpener___1UPD9-bank"><input type="radio" aria-label="label-bank" class="axp-global-header__Tabs__tabOpen___1K4kz axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabOpener___1UPD9-bank" name="axp-global-header__Tabs__tabOpener___1UPD9" tabindex="-1"/><label aria-expanded="false" role="button" class="axp-global-header__Tabs__closedLabel___2Xajz axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabOpener___1UPD9-bank" id="label-tab-open-bank" tabindex="0">Banking</label><label aria-expanded="true" role="button" class="axp-global-header__Tabs__openLabel___27qRR axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabCloser___2jJeH" id="label-tab-close-bank" tabindex="0"><span>Banking</span></label></li><li class="axp-global-header__dls-module__navItem___2SJY5 undefined" data-child-selection="true" data-collapsing="true" aria-labelledby="axp-global-header__Tabs__tabOpener___1UPD9-travel"><input type="radio" aria-label="label-travel" class="axp-global-header__Tabs__tabOpen___1K4kz axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabOpener___1UPD9-travel" name="axp-global-header__Tabs__tabOpener___1UPD9" tabindex="-1"/><label aria-expanded="false" role="button" class="axp-global-header__Tabs__closedLabel___2Xajz axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabOpener___1UPD9-travel" id="label-tab-open-travel" tabindex="0">Travel</label><label aria-expanded="true" role="button" class="axp-global-header__Tabs__openLabel___27qRR axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabCloser___2jJeH" id="label-tab-close-travel" tabindex="0"><span>Travel</span></label></li><li class="axp-global-header__dls-module__navItem___2SJY5 undefined" data-child-selection="true" data-collapsing="true" aria-labelledby="axp-global-header__Tabs__tabOpener___1UPD9-rewards"><input type="radio" aria-label="label-rewards" class="axp-global-header__Tabs__tabOpen___1K4kz axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabOpener___1UPD9-rewards" name="axp-global-header__Tabs__tabOpener___1UPD9" tabindex="-1"/><label aria-expanded="false" role="button" class="axp-global-header__Tabs__closedLabel___2Xajz axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabOpener___1UPD9-rewards" id="label-tab-open-rewards" tabindex="0">Rewards & Benefits</label><label aria-expanded="true" role="button" class="axp-global-header__Tabs__openLabel___27qRR axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabCloser___2jJeH" id="label-tab-close-rewards" tabindex="0"><span>Rewards & Benefits</span></label></li><li class="axp-global-header__dls-module__navItem___2SJY5 undefined" data-child-selection="true" data-collapsing="true" aria-labelledby="axp-global-header__Tabs__tabOpener___1UPD9-business"><input type="radio" aria-label="label-business" class="axp-global-header__Tabs__tabOpen___1K4kz axp-global-header__dls-module__srOnly___u78M4" id="axp-global-header__Tabs__tabOpener___1UPD9-business" name="axp-global-header__Tabs__tabOpener___1UPD9" tabindex="-1"/><label aria-expanded="false" role="button" class="axp-global-header__Tabs__closedLabel___2Xajz axp-global-header__dls-module__fontWeightNormal___2V-SL axp-global-header__dls-module__navLink___2iw6Y axp-global-header__dls-module__caret___3BPtC axp-global-header__dls-module__label2___13_8N axp-global-header__dls-module__margin0___3S0s6 axp-global-header__dls-module__dlsBrightBlue___3kbV8" for="axp-global-header__Tabs__tabOpener___1UPD9-business" id="label-tab-open-business" tabindex="0">Business</label><label aria-expanded="true" role="button" class="axp-global-header__Tabs__openLabel___27qRR 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79.4912 6.11826 79.4912 6.56626C79.4912 6.81426 79.4592 7.08226 79.3952 7.37026L78.6512 11.0903H77.7392L78.4592 7.49026C78.4912 7.33026 78.5152 7.20226 78.5312 7.10626C78.5472 7.01026 78.5552 6.91026 78.5552 6.80626C78.5552 6.20626 78.2672 5.90626 77.6912 5.90626C77.4672 5.90626 77.2112 5.99026 76.9232 6.15826C76.6352 6.32626 76.3072 6.59426 75.9392 6.96226L75.1112 11.0903H74.1992Z" fill="black"></path><path d="M71.2227 11.0908L72.7947 3.21875H73.7307L72.1587 11.0908H71.2227Z" fill="black"></path><path d="M67.6367 8.42675L67.7807 7.71875H70.4087L70.2527 8.42675H67.6367Z" fill="black"></path><path d="M64.6866 11.2342C64.0866 11.2342 63.5786 11.1022 63.1626 10.8382C62.7466 10.5662 62.4306 10.1902 62.2146 9.71022C61.9986 9.23022 61.8906 8.67822 61.8906 8.05422C61.8906 7.43822 61.9866 6.83422 62.1786 6.24222C62.3706 5.65022 62.6466 5.11822 63.0066 4.64622C63.3666 4.16622 63.7946 3.78622 64.2906 3.50622C64.7946 3.21822 65.3506 3.07422 65.9586 3.07422C66.4066 3.07422 66.7906 3.18622 67.1106 3.41022C67.4386 3.62622 67.6986 3.90222 67.8906 4.23822L67.2426 4.73022C67.0906 4.47422 66.9066 4.27022 66.6906 4.11822C66.4746 3.95822 66.2146 3.87822 65.9106 3.87822C65.4466 3.87822 65.0226 4.00222 64.6386 4.25022C64.2626 4.49022 63.9426 4.81022 63.6786 5.21022C63.4146 5.61022 63.2106 6.05022 63.0666 6.53022C62.9226 7.01022 62.8506 7.49022 62.8506 7.97022C62.8506 8.44222 62.9186 8.86622 63.0546 9.24222C63.1906 9.61022 63.4066 9.90222 63.7026 10.1182C63.9986 10.3262 64.3826 10.4302 64.8546 10.4302C65.1746 10.4302 65.4666 10.3662 65.7306 10.2382C66.0026 10.1102 66.2666 9.93822 66.5226 9.72222L66.9426 10.3222C66.6546 10.5702 66.3226 10.7862 65.9466 10.9702C65.5786 11.1462 65.1586 11.2342 64.6866 11.2342Z" fill="black"></path><path d="M58.6016 11.0908L60.1736 3.21875H61.1096L59.5376 11.0908H58.6016Z" fill="black"></path><path d="M51.5 11.0908L53.072 3.21875H54.536C55.632 3.21875 56.46 3.49075 57.02 4.03475C57.588 4.57075 57.872 5.32275 57.872 6.29075C57.872 7.24275 57.7 8.07875 57.356 8.79875C57.02 9.51875 56.532 10.0827 55.892 10.4907C55.26 10.8907 54.5 11.0908 53.612 11.0908H51.5ZM52.58 10.3228H53.612C54.292 10.3228 54.88 10.1547 55.376 9.81875C55.872 9.48275 56.252 9.01475 56.516 8.41475C56.788 7.81475 56.924 7.12675 56.924 6.35075C56.924 5.60675 56.716 5.02675 56.3 4.61075C55.892 4.18675 55.292 3.97475 54.5 3.97475H53.852L52.58 10.3228Z" fill="black"></path><path d="M45.8281 11.0908L47.4001 3.21875H51.7441L51.5881 3.99875H48.1681L47.6281 6.73475H50.5201L50.3641 7.52675H47.4841L46.7641 11.0908H45.8281Z" fill="black"></path></svg></div></div><h1 class="margin-2-tb"><span class="heading-5 ">Watch your money grow with a Certificate of Deposit (CD)</span></h1><p class="margin-2-b-md-up body-3">Choose your term — from months to years — to lock in your rate.<sup>1</sup></p><div class="hidden-sm-down axp-us-consumer-banking__index__bannerWithCallToAction___RxE28"><div class="callToActionWithLinks"><div class=""><a href="https://www.americanexpress.com/en-us/banking/personal/savings/apply/psa-begin?product=certOfDeposit&intlink=us-acq-consumer-banking-certificate-of-deposit-openanaccount-hero" target="" class="sc_at_button_btn axp-us-consumer-banking__index__callToAction___1DwOY sc_textBody_3 sc_horizontallyFluid" data-qe-id="Button">Open CD Account</a></div></div></div></div></div></div><div class="axp-us-consumer-banking__index__variantCd___5vsTz"><h2 class="visuallyHidden">Featured Benefits</h2><div class="axp-us-consumer-banking__index__rateBackground___eUlxG"><div class="axp-us-consumer-banking__index__outerWrap___1JFZP pad-2"><div class="axp-us-consumer-banking__index__unitWrap___2DyzZ"><div class="sc_marginBottom_10"><div class="axp-us-consumer-banking__index__svgBackground___2vpvu"><div class="sc_at_icon_root sc_color_white sc_at_icon_size_md" aria-hidden="true"></div></div></div><h3 class="sc_paddingBottom_10 sc_color_deep-blue sc_fontType_helvetica_bold sc_textBody_3">Fixed Interest Rate & APY</h3><div class="axp-us-consumer-banking__index__content___1zCt3 sc_color_deep-blue sc_fontType_helvetica_regular sc_textBody_3">Know exactly how much you’ll earn by locking in your rate</div></div><div class="axp-us-consumer-banking__index__unitWrap___2DyzZ"><div class="sc_marginBottom_10"><div class="axp-us-consumer-banking__index__svgBackground___2vpvu"><div class="sc_at_icon_root sc_color_white sc_at_icon_size_md" aria-hidden="true"></div></div></div><h3 class="sc_paddingBottom_10 sc_color_deep-blue sc_fontType_helvetica_bold sc_textBody_3">No Monthly Fees<sup>3</sup></h3><div class="axp-us-consumer-banking__index__content___1zCt3 sc_color_deep-blue sc_fontType_helvetica_regular sc_textBody_3">Enjoy no minimum balance and no monthly fees</div></div><div class="axp-us-consumer-banking__index__unitWrap___2DyzZ"><div class="sc_marginBottom_10"><div class="axp-us-consumer-banking__index__svgBackground___2vpvu"><div class="sc_at_icon_root sc_color_white sc_at_icon_size_md" aria-hidden="true"></div></div></div><h3 class="sc_paddingBottom_10 sc_color_deep-blue sc_fontType_helvetica_bold sc_textBody_3">Earns Daily Interest</h3><div class="axp-us-consumer-banking__index__content___1zCt3 sc_color_deep-blue sc_fontType_helvetica_regular sc_textBody_3">Interest is compounded daily and credited to your account monthly</div></div><div class="axp-us-consumer-banking__index__unitWrap___2DyzZ"><div class="sc_marginBottom_10"><div class="axp-us-consumer-banking__index__svgBackground___2vpvu"><div class="sc_at_icon_root sc_color_white sc_at_icon_size_md" aria-hidden="true"></div></div></div><h3 class="sc_paddingBottom_10 sc_color_deep-blue sc_fontType_helvetica_bold sc_textBody_3">Strengthened by Amex</h3><div class="axp-us-consumer-banking__index__content___1zCt3 sc_color_deep-blue sc_fontType_helvetica_regular sc_textBody_3">The reliability and service you expect from American Express</div></div></div></div></div><section class="margin-2-tb"></section><div class="axp-us-consumer-banking__index__container___2IEzg"><h2 class="axp-us-consumer-banking__index__header___23-C7">Compare Savings products</h2><div class="axp-us-consumer-banking__index__contentContainer___3euVa"><div class="axp-us-consumer-banking__index__pictureCol___3uTb3"><picture><source media="(max-width: 767px)" srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/hysaVsCDMobile.jpg"/><source media="(max-width: 1024px)" srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/hysaVsCDTablet.jpg"/><source media="(min-width: 1024px)" srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/hysaVsCDDesktop.jpg"/><img loading="lazy" src="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/hysaVsCDMobile.jpg" role="presentation" class="width-full" alt=""/></picture></div><div class="axp-us-consumer-banking__index__parent___2AxnM"><h3 class="axp-us-consumer-banking__index__div1___BS_FU">High Yield Savings <br/> Account</h3><div class="axp-us-consumer-banking__index__div3___18sAz"><ul><li class="body-3 pad-1">High yield growth with added flexibility</li><li class="body-3 pad-1">Interest rates can go up or down based on the market</li><li class="body-3 pad-1">Funds can be withdrawn with no penalty — great for unexpected challenges</li></ul><div class="axp-us-consumer-banking__index__ctaStyling___2eUwQ"><div class="callToActionWithLinks"><div class=""><a href="https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/?intlink=us-acq-consumer-banking-certificate-of-deposit-exploresavings-HYSAvsCD" target="" class="sc_at_button_btn sc_at_button_btnSecondary sc_textBody_3" data-qe-id="Button">Explore HYSA</a></div></div></div></div><h3 class="axp-us-consumer-banking__index__div2___3Gdss">Certificate of Deposit <br/> Account</h3><div class="axp-us-consumer-banking__index__div4___2V6m_"><ul><li class="body-3 pad-1">Know exactly how much your investment will earn</li><li class="body-3 pad-1">A fixed APY protects you from falling interest rates</li><li class="body-3 pad-1">Early withdrawal fee helps reinforce a committed savings strategy</li></ul><div class="axp-us-consumer-banking__index__ctaStyling___2eUwQ"><div class="callToActionWithLinks"><div class=""><a href="https://www.americanexpress.com/en-us/banking/personal/savings/apply/psa-begin?product=certOfDeposit&intlink=us-acq-consumer-banking-certificate-of-deposit-openanaccount-HYSAvsCD" target="" class="sc_at_button_btn sc_at_button_btnSecondary sc_textBody_3" data-qe-id="Button">Open CD Account</a></div></div></div></div></div></div></div><div class="margin-responsive-b"><div class="flex flex-column flex-row-md-up flex-justify-between width-full height-full text-align-center"><div class="axp-us-consumer-banking__index__leftBox___3weJv width-full"><picture><source media="(max-width: 767px)" srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/2-steps-mobile.jpg"/><source media="(max-width: 1023px)" srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/2-steps-tablet.jpg"/><source media="(min-width: 1024px)" srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/2-steps-desktop.jpg"/><img loading="lazy" src="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/2-steps-mobile.jpg" class="axp-us-consumer-banking__index__imageStyle___2b-Ck width-full height-full" alt=""/></picture></div><div class="axp-us-consumer-banking__index__rightBox___2tX6a multi-step dls-deep-blue-bg pad-2 flex flex-column"><h2 class="flex width-full heading-5 dls-white text-align-left-sm-up pad-2-b pad-1-t-sm-down margin-2-b-sm-down">Apply for an Account in minutes</h2><ol aria-labelledby="tracker" class="flex flex-justify-between flex-column-xs-up"><li class="step active pad-1-l-md-up"><div class="dot-bar flex flex-row flex-justify-start flex-align-start"><div class="dot-completed pad-0-l-sm-down" tabindex="-1"><div class="axp-us-consumer-banking__index__progressCount___3RvAX dot dls-white-bg dls-deep-blue valign-middle">1</div></div><div class="pad-1 text-align-left-sm-up dls-white"><h3 class="heading-4 pad-1-b">Open a Savings Account</h3><p class="body-1 pad-2-b-sm-down">and we’ll verify your identity – you’ll receive a confirmation email when your Account is opened.</p><div class="hidden-sm-down"></div></div><div class="axp-us-consumer-banking__index__progressBar___2TvLd"></div></div></li><li class="step active pad-1-l-md-up"><div class="dot-bar flex flex-row flex-justify-start flex-align-start"><div class="dot-completed pad-0-l-sm-down" tabindex="-1"><div class="axp-us-consumer-banking__index__progressCount___3RvAX dot dls-white-bg dls-deep-blue valign-middle">2</div></div><div class="pad-1 text-align-left-sm-up dls-white"><h3 class="heading-4 pad-1-b">Register your online account</h3><p class="body-1 pad-2-b-sm-down">after you receive your confirmation email.</p><div class="hidden-sm-down"></div></div><div class="axp-us-consumer-banking__index__progressBar___2TvLd"></div></div></li><li class="step active pad-1-l-md-up"><div class="dot-bar flex flex-row flex-justify-start flex-align-start"><div class="dot-completed pad-0-l-sm-down" tabindex="-1"><div class="axp-us-consumer-banking__index__progressCount___3RvAX dot dls-white-bg dls-deep-blue valign-middle">3</div></div><div class="pad-1 text-align-left-sm-up dls-white"><h3 class="heading-4 pad-1-b">Sign in and fund your new Account</h3><p class="body-1 pad-2-b-sm-down">by linking your current bank or mailing a check. Linking your external account can take up to two days.</p><div class="hidden-sm-down"><div class="callToActionWithLinks"><div class=""><a href="https://www.americanexpress.com/en-us/banking/personal/savings/apply/psa-begin?product=certOfDeposit&intlink=us-acq-consumer-banking-certificate-of-deposit-openanaccount-howtoopenanaccount" target="" class="sc_at_button_btn axp-us-consumer-banking__index__buttonStyling___3kTsg body-3 dls-white-bg dls-bright-blue width-full margin-3-t margin-1-b hidden-sm-down focus-light sc_textBody_3" data-qe-id="Button">Open CD Account</a></div></div></div></div></div></li></ol><p class="dls-white legal-1 text-align-left">See <a class="dls-white text-underline" href="https://www.americanexpress.com/en-us/banking/online-savings/support/cd/?intlink=us-acq-shop-consumer-saving-CD-3stepsbanner-FAQ" target="_blank">FAQs</a> for further details about the transfer process, or <a class="dls-white text-underline" href="https://www.americanexpress.com/en-us/banking/online-savings/contact-us/?intlink=us-acq-shop-consumer-saving-CD-3stepsbanner-contactus" target="_blank">contact us 24/7</a> with questions.</p></div></div></div><section class="margin-3-b"><div class="margin-2-b-md-up"><div><div class="axp-us-consumer-banking__index__tileWrapper___34Gr4"><div><div class="position-relative axp-us-consumer-banking__index__bannerContent___3LGwR axp-us-consumer-banking__index__noBulletPoints___RFvx0 axp-us-consumer-banking__index__withBorder___kIKQU"><div class="row margin-0-lr" data-qe-id="BannerContentWithImage"><div class="pad-responsive-lr pad-2-tb col-xs-12 col-md-6"><div><h2 style="font-weight:500" class="heading-5 dls-deep-blue">Get to know CDs and HYSAs: a secure path to smart savings</h2><div><ul class="sc_mo_bullet-points-with-icons_root"><li class="sc_mo_bullet-points-with-icons_item sc_paddingTop_10 sc_paddingBottom_10"><div class="sc_mo_bullet-points-with-icons_textRow sc_mo_bullet-points-with-icons_iconAlign_center"><span class="sc_paddingLeft_0 sc_textAlign_left sc_horizontallyFluid sc_color_gray-06 sc_textBody_3">Certificates of deposit (CDs) and high yield savings accounts (HYSAs) can be smart, safe ways to grow your funds. Both typically yield higher interest rates than regular savings accounts.</span></div></li><li class="sc_mo_bullet-points-with-icons_item sc_paddingTop_10 sc_paddingBottom_10"><div class="sc_mo_bullet-points-with-icons_textRow sc_mo_bullet-points-with-icons_iconAlign_center"><span class="sc_paddingLeft_0 sc_textAlign_left sc_horizontallyFluid sc_color_gray-06 sc_textBody_3"><b>CDs</b> offer the certainty of knowing exactly how much you’ll earn. Your rate is locked in for the life of the CD, protecting you if interest rates drop. There’s a fee for early withdrawals, but this encourages disciplined money growth. You can enhance your returns with CD laddering – a savvy tactic to spread the dates when your CDs mature. You benefit from locked-in returns across different rates and terms.</span></div></li><li class="sc_mo_bullet-points-with-icons_item sc_paddingTop_10 sc_paddingBottom_10"><div class="sc_mo_bullet-points-with-icons_textRow sc_mo_bullet-points-with-icons_iconAlign_center"><span class="sc_paddingLeft_0 sc_textAlign_left sc_horizontallyFluid sc_color_gray-06 sc_textBody_3">Prefer more flexibility? A <b>HYSA</b> offers strong growth with the added perk of fee-free withdrawals. Interest rates could go up or down based on market fluctuations – but the added freedom is ideal for life’s unexpected turns.</span></div></li></ul></div><div class="axp-us-consumer-banking__index__ctaStyling___1nvUW"><div class="callToActionWithLinks"><div class=""><a href="https://www.americanexpress.com/en-us/banking/online-savings/articles/what-is-cd/?intlink=us-acq-consumer-banking-certificate-of-deposit-GetToKnowCDs" target="_blank" class="sc_at_button_btn sc_at_button_btnSecondary sc_textBody_3" data-qe-id="Button">Learn More About CDs</a></div></div></div></div></div><div class="pad-0 col-xs-12 col-md-6"><picture><source srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/basic-mobile.jpg 1x, https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/basic-mobile-2x.jpg 2x" media="(max-width: 767px)"/><source srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/basic-tablet.jpg 1x, https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/basic-tablet-2x.jpg 2x" media="(min-width: 768px) and (max-width: 1023px)"/><source srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/basic-desktop.jpg 1x, https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/basic-desktop-2x.jpg 2x" media="(min-width: 1024px) and (max-width: 1439px)"/><source srcSet="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/basic-desktop.jpg 1x, https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/CD/basic-desktop-2x.jpg 2x" media="(min-width: 1440px)"/><img loading="lazy" src="https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/hysa/basic-mobile.jpg" alt="A short animation showing how the Amex App combines credit card and checking account features, including account and Membership Reward point balances." class="axp-us-consumer-banking__index__bannerImage___yB_J_"/></picture></div></div></div></div></div></div></div><div style="background-image:url(https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/personal-loans/reinforcement-banner.svg)"><div class="axp-us-consumer-banking__index__contentContainer___P6ECH"><h2 class="heading-5 dls-white text-align-center font-weight-400 pad-3-b">Let’s start looking ahead. <br/>Your interest earnings are waiting.</h2><div class="callToActionWithLinks"><div class=""><a href="https://www.americanexpress.com/en-us/banking/personal/savings/apply/psa-begin?product=certOfDeposit&intlink=us-acq-consumer-banking-certificate-of-deposit-openanaccount-reinforcement" target="" class="sc_at_button_btn sc_at_button_btnSecondary axp-us-consumer-banking__index__ctaButton___1NJuK sc_textBody_3 sc_horizontallyFluid" data-qe-id="Button">Open CD Account</a></div></div><div class="legal-1 dls-white text-align-center">If you want more access to your money, check out a <a class="dls-white text-underline focus-light" href="https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/?intlink=us-acq-shop-consumer-banking-CD-highyieldsavingsaccount-reinforcement">High Yield Savings Account.</a></div></div></div><div class="flex flex-row-md-up flex-column-sm-down pad-responsive flex-align-items-center dls-black"><div class="pad-2-r-md-up pad-1-b-sm-down"><svg xmlns="http://www.w3.org/2000/svg" width="80" height="32" viewBox="0 0 80 32" fill="none" aria-label="FDIC logo" class=""><g clip-path="url(#clip0_1311_8195)"><path d="M8.53333 31.7444H0V0.333252H17.5556V8.54436H8.53333V13.6333H17.0333V21.8444H8.53333V31.7444Z" fill="#00175A"></path><path d="M45.5889 16.0221C45.5889 1.63325 32.6778 0.333252 27.3333 0.333252H18.7333V31.7221H27.3333L27.3222 23.5444V8.41103C32.6111 8.41103 37.1111 10.3666 37.1111 15.9666C37.1111 21.5666 32.6111 23.5221 27.3222 23.5221L27.3333 31.7221C33.9778 31.7221 45.5889 30.4444 45.5889 16.0221Z" fill="#00175A"></path><path d="M55.5997 0.266602H47.0664V31.7444H55.5997V0.266602Z" fill="#00175A"></path><path d="M73.0226 23.4333C68.9226 23.4333 65.5337 20.0888 65.5337 15.9999C65.5337 11.9111 68.9226 8.56662 73.0226 8.56662C76.7559 8.56662 78.7115 10.5555 80.0004 13.1777V1.89995C80.0004 1.89995 76.2226 0.199951 72.7004 0.199951C64.8782 0.199951 56.4004 7.38884 56.4004 15.9999C56.4004 26.5333 64.4782 31.7999 72.7004 31.7999C76.2226 31.7999 80.0004 30.1111 80.0004 30.1111V18.9333C78.4559 21.5888 76.7337 23.4333 73.0226 23.4333Z" fill="#00175A"></path></g><defs><clipPath id="clip0_1311_8195"><rect width="80" height="31.6" fill="white" transform="translate(0 0.199951)"></rect></clipPath></defs></svg></div><p class="body-3">Accounts offered by American Express National Bank. Member FDIC. Each depositor is insured to at least $250,000 per depositor, per insured bank, per ownership category. Learn more at <a class="text-underline" title="FDIC website" href="https://www.fdic.gov" target="_blank">FDIC.gov</a>.</p></div><section class="margin-3-b"><section aria-label="frequently asked questions section"><div class="pad-responsive pad-0-b pad-1-left"><h2 class="axp-us-consumer-banking__index__header___3Ekzg margin-2-b sc_fontType_benton_medium sc_color_deep-blue">Frequently Asked Questions</h2><div class="margin-2-b"><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-0" aria-controls="faq-0" aria-label="What is a Certificate of Deposit (CD) account?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">What is a Certificate of Deposit (CD) account?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-1" aria-controls="faq-1" aria-label="What is the difference between a High Yield Savings Account and a Certificate of Deposit (CD)?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">What is the difference between a High Yield Savings Account and a Certificate of Deposit (CD)?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-2" aria-controls="faq-2" aria-label="Can I add additional funds to a CD once it’s been opened?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">Can I add additional funds to a CD once it’s been opened?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-3" aria-controls="faq-3" aria-label="What is a Maturity Date and what happens after that date?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">What is a Maturity Date and what happens after that date?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-4" aria-controls="faq-4" aria-label="Am I allowed a partial withdrawal of funds from my CD?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">Am I allowed a partial withdrawal of funds from my CD?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-5" aria-controls="faq-5" aria-label="What if I want to withdraw my funds from my Certificate of Deposit (CD) before the Maturity Date?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">What if I want to withdraw my funds from my Certificate of Deposit (CD) before the Maturity Date?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-6" aria-controls="faq-6" aria-label="How does the interest on a Certificate of Deposit (CD) compound, and can I choose to pay out the interest on a Certificate of Deposit (CD)?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">How does the interest on a Certificate of Deposit (CD) compound, and can I choose to pay out the interest on a Certificate of Deposit (CD)?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div><div class="border dls-white-bg faq-container"><button class="axp-us-consumer-banking__index__questionContainer___2rYMz" aria-expanded="false" id="faq-7" aria-controls="faq-7" aria-label="What is CD Laddering?"><div class="sc_at_icon_root sc_at_icon_size_sm-x axp-us-consumer-banking__index__iconClosed___14Glv" aria-hidden="true"></div><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06 sc_marginBottom_20 sc_marginLeft_10 sc_textAlign_left">What is CD Laddering?</p></button><div aria-hidden="true" style="height:0;overflow:hidden;transition:height 400ms ease-in-out"><div style="display:none"></div></div></div></div><div class="margin-2-b"><p style="font-size:15px;line-height:22px" class="sc_fontType_helvetica_regular sc_color_gray-06">Have other questions? Get more answers by reviewing our full list of <a class="text-underline" title="FAQs link" aria-label="Link to FAQs page" href="https://www.americanexpress.com/en-us/banking/online-savings/support/cd/?intlink=savingscd-support-help" target="_blank">FAQs</a>.</p></div><div class="flex flex-wrap pad-1-lr" style="column-gap:20px;row-gap:30px"><a href="https://www.americanexpress.com/en-us/banking/legal-library/index.html?extlink=US-Web-null-depositslegal" target="_blank" class="text-underline"><div class="flex"><i class="margin-1-r" data-dls-icon="document" data-dls-icon-size="sm" data-dls-icon-role="decorative" title="document icon"></i>Consumer Banking Legal Agreements</div></a><a href="https://www.americanexpress.com/en-us/banking/online-savings/support/printable-forms/?intlink=savingshysa-support-forms" target="_blank" class="text-underline"><div class="flex"><i class="margin-1-r" data-dls-icon="pdf" data-dls-icon-size="sm" data-dls-icon-role="decorative" title="pdf icon"></i>Printable Forms</div></a><a href="https://www.americanexpress.com/en-us/banking/online-savings/contact-us/?intlink=savingshysa-support-contact" target="_blank" class="text-underline"><div class="flex"><i class="margin-1-r" data-dls-icon="telephone" data-dls-icon-size="sm" data-dls-icon-role="decorative" title="telephone icon"></i>Contact Us</div></a><a href="https://www.americanexpress.com/en-us/banking/personal/savings/register/account-verification/identify?cancelUrl=https%3A%2F%2Fwww.americanexpress.com%2Fen-us%2Fbanking%2Fonline-savings%2Fhigh-yield-savings%2F&submitUrl=%2Fen-us%2Fbanking%2Fpersonal%2Fsavings%2Fdashboard" target="_blank" class="text-underline"><div class="flex"><i class="margin-1-r" data-dls-icon="multi-channel" data-dls-icon-size="sm" data-dls-icon-role="decorative" title="multi-channel icon"></i>Create Online Access</div></a></div></div></section></section><div class="flex flex-wrap pad-responsive-extra-lr"><a href="https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/deposit_account_agreement.pdf?extlink=US-Servicing-null-savingsdaa" target="_blank" class="margin-2-r margin-2-b text-underline legal-1"><div class="flex">Deposit Account Agreement</div></a><a href="https://www.americanexpress.com/us/company/privacy-center/online-privacy-disclosures/" target="_blank" class="margin-2-r margin-2-b text-underline legal-1"><div class="flex">Privacy Statement</div></a><a href="https://www.americanexpress.com/en-us/banking/online-savings/support/" target="_blank" class="margin-2-r margin-2-b text-underline legal-1"><div class="flex">Need Help?</div></a></div><div class="disclosures pad-responsive-extra-lr"><h2 id="disclosures-heading" class="legal-1 margin-responsive-b"><b>Terms and Conditions</b></h2><ul aria-labelledby="disclosures-heading" class="pad-0"><li class="margin-responsive-b legal-1 dls-black" style="list-style-type:none"><div type="span" class=""><sup>1</sup> The interest rate and Annual Percentage Yield (APY) will be disclosed in your account-opening documents, which you will receive after funding your Account. The interest rate and APY for your CD will be fixed and will either be (i) the rate reflected at application submission or (ii) the rate being offered when your CD is funded, whichever is higher. All CDs must be funded within 60 calendar days from the time we approve your application or will be subject to closure. After the CD is opened, additional deposits are not permitted. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. Please see the Consumer Deposit Account Agreement and Savings Schedules for additional information.</div></li><li class="margin-responsive-b legal-1 dls-black" style="list-style-type:none"><div type="span" class=""><sup>2</sup> The Annual Percentage Yield (APY) as advertised is accurate as of 11/22/2024. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.</div></li><li class="margin-responsive-b legal-1 dls-black" style="list-style-type:none"><div type="span" class=""><sup>3</sup> There is no minimum balance required to open your Account, to avoid being charged a fee, or obtain the Annual Percentage Yield (APY) disclosed to you.</div></li><li class="margin-responsive-b legal-1 dls-black" style="list-style-type:none"><div type="span" class=""><sup>4</sup> Calculations are estimates of expected interest earned. Actual results may vary, based on various factors such as leap years, timing of deposits, rounding, and variation in interest rates. The first recurring deposit is assumed to begin in the second period after any initial deposit.</div></li></ul></div></section></main></div><div class="axp-footer__dls-module__module___1_EeR noindex"><footer data-module-name="axp-footer" class="axp-footer__footer__footer___328qd axp-footer__dls-module__pad1B___319TY axp-footer__dls-module__dlsWhiteBg___2unIs" role="contentinfo"><div><script id="script-supplier" type="text/javascript" crossorigin="anonymous" src="https://www.aexp-static.com/cdaas/user-consent-management/navscript/v1.0.1/navscript.js" defer=""></script></div><div><div class="axp-footer__dls-module__padTb___3-Cwz width-full container axp-footer__footer__lastLoginStyle___dnIUI"></div></div><hr class="width-full container"/><div class="axp-footer__dls-module__hiddenSmDown___7zgQf width-full container"><div class="axp-footer__dls-module__pad3B___1J3uF axp-footer__dls-module__row___3H3xq"><div class="axp-footer__footer__footerSection___3zipI 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class="axp-footer__dls-module__heading1___1W4S5 axp-footer__dls-module__dlsGray05___3Bige">Products & Services</h2><ul role="list" class="axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__margin2T___1dpgR axp-footer__dls-module__listLinks___DsWOZ"><li role="listitem"><a label="Credit Cards" href="https://www.americanexpress.com/us/credit-cards/?inav=us_footer_credit_cards" rel=" " title="Credit Cards" tracking="us_footer_credit_cards" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Credit Cards</a></li><li role="listitem"><a label="Business Credit Cards" href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/?inav=footer_cards_bus_crdt_crd" rel=" " title="Business Credit Cards" tracking="footer_cards_bus_crdt_crd" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Business Credit 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title="Savings Accounts & CDs" tracking="footer_savings" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Savings Accounts & CDs</a></li><li role="listitem"><a label="Download the App" href="https://www.americanexpress.com/en-us/support/digital/amex-mobile-app/?inav=us_footer_products_services_download_the_app" rel=" " title="Download the App" tracking="us_footer_products_services_download_the_app" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Download the App</a></li></ul></div><div class="axp-footer__footer__footerSection___3zipI axp-footer__dls-module__col___9B4qP axp-footer__dls-module__colLg3___2wVa6 axp-footer__dls-module__colMd6___22fwT axp-footer__dls-module__pad3T___SVukA"><h2 tabindex="0" role="heading" aria-level="1" class="axp-footer__dls-module__heading1___1W4S5 axp-footer__dls-module__dlsGray05___3Bige">Links You May Like</h2><ul role="list" class="axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__margin2T___1dpgR axp-footer__dls-module__listLinks___DsWOZ"><li role="listitem"><a label="Membership Rewards" href="https://www.americanexpress.com/en-us/benefits/rewards/membership-rewards/?inav=us_footer_links_you_may_like_mr" rel=" " title="Membership Rewards" tracking="us_footer_links_you_may_like_mr" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Membership Rewards</a></li><li role="listitem"><a label="FICO® Score and Insights" href="https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/?inav=us_footer_links_you_may_like_fico_score_insights" rel=" " title="FICO® Score and Insights" tracking="us_footer_links_you_may_like_fico_score_insights" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">FICO® Score and Insights</a></li><li role="listitem"><a label="CreditSecure®" href="https://www.americanexpress.com/en-us/benefits/creditsecure/?inav=footer_creditsecure" rel=" " title="CreditSecure®" tracking="footer_creditsecure" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">CreditSecure®</a></li><li role="listitem"><a label="Accept Amex Cards" href="https://www.americanexpress.com/us/merchant/accept-the-card.html?inav=footer_accept_amex" rel=" " title="Accept Amex Cards" tracking="footer_accept_amex" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Accept Amex Cards</a></li><li role="listitem"><a label="Refer A Friend" href="https://www.americanexpress.com/en-us/referral?id=201279&intlink=US-MGM-Inav&inav=us_footer_links_you_may_like_refer_a_friend" rel=" " title="Refer A Friend" tracking="us_footer_links_you_may_like_refer_a_friend" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Refer A Friend</a></li></ul></div><div class="axp-footer__footer__footerSection___3zipI axp-footer__dls-module__col___9B4qP axp-footer__dls-module__colLg3___2wVa6 axp-footer__dls-module__colMd6___22fwT axp-footer__dls-module__pad3T___SVukA"><h2 tabindex="0" role="heading" aria-level="1" class="axp-footer__dls-module__heading1___1W4S5 axp-footer__dls-module__dlsGray05___3Bige">Additional Information</h2><ul role="list" class="axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__margin2T___1dpgR axp-footer__dls-module__listLinks___DsWOZ"><li role="listitem"><a label="Credit Intel – Financial Education Center" href="https://www.americanexpress.com/en-us/credit-cards/credit-intel/?inav=footer_financial_ed" rel=" " title="Credit Intel – Financial Education Center" tracking="footer_financial_ed" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Credit Intel – Financial Education Center</a></li><li role="listitem"><a label="Supplier Diversity" href="https://www.americanexpress.com/en-us/company/supplier-management/?inav=footer_supplier_supplier" rel=" " title="Supplier Diversity" tracking="footer_supplier_supplier" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Supplier Diversity</a></li><li role="listitem"><a label="Credit Score 101" href="https://www.americanexpress.com/en-us/credit-cards/credit-intel/credit-score/?inav=footer_credit_101" rel=" " title="Credit Score 101" tracking="footer_credit_101" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Credit Score 101</a></li><li role="listitem"><a label="US Newcomers" href="https://www.americanexpress.com/us/credit-cards/features-benefits/us-newcomers/?inav=us_footer_additional_information_us_newcomers" rel=" " title="US Newcomers" tracking="us_footer_additional_information_us_newcomers" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">US Newcomers</a></li><li role="listitem"><a label="Frequently Asked Questions" href="https://www.americanexpress.com/us/customer-service/?inav=footer_faqs" rel=" " title="Frequently Asked Questions" tracking="footer_faqs" class="axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Frequently Asked Questions</a></li></ul></div></div></div><div class="axp-footer__dls-module__padT___EykJE undefined width-full container axp-footer__dls-module__nav___9Aq3L axp-footer__dls-module__navVertical___3hGDp axp-footer__dls-module__navChevron___2O6CN axp-footer__dls-module__hiddenMdUp___2R91O" role="navigation" data-toggle="nav"><ul id="mobileMenuFooter" class="axp-footer__dls-module__navMenu___2v96a"><li class="axp-footer__dls-module__navItem___2SJY5"><input type="checkbox" id="nav-vert-menu-opener-about-0" class="axp-footer__dls-module__srOnly___u78M4 axp-footer__dls-module__displayNone___3VUuZ" name="nav-vert-menu-opener-about-0"/><label for="nav-vert-menu-opener-about-0" aria-label="about" id="open-0" class="axp-footer__footer__navVertSubMenuLabel___xSjOp axp-footer__footer__sectionOpener___3-NG3 axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__navLink___2iw6Y axp-footer__dls-module__caret___3BPtC" role="button" tabindex="0" aria-expanded="false">About</label><div class="axp-footer__footer__navVertSubmenu___1QMkq axp-footer__dls-module__navMenu___2v96a axp-footer__footer__displayNone___1hN1b" id="about-submenu"><div class="axp-footer__dls-module__navMenuSection___1sl2X"><ul role="menu"><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="About American Express" href="https://www.americanexpress.com/en-us/company/?inav=us_footer_about_about_american_express" rel=" " title="About American Express" tracking="us_footer_about_about_american_express" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">About American Express</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Newsroom" href="https://www.americanexpress.com/en-us/newsroom/?inav=us_footer_about_newsroom" rel=" " title="Newsroom" tracking="us_footer_about_newsroom" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Newsroom</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Investor Relations" href="https://ir.americanexpress.com/investor-relations/default.aspx?inav=us_footer_about_investor_relations" rel=" " title="Investor Relations" tracking="us_footer_about_investor_relations" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Investor Relations</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Careers" href="https://www.americanexpress.com/en-us/careers/?inav=footer_careers" rel=" " title="Careers" tracking="footer_careers" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Careers</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Global Network" href="https://network.americanexpress.com/globalnetwork/v4/?inav=us_footer_about_global_network" rel=" " title="Global Network" tracking="us_footer_about_global_network" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Global Network</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Contact Us" href="https://www.americanexpress.com/en-us/support/contacts/?inav=us_footer_additional_information_contact_us" rel=" " title="Contact Us" tracking="us_footer_additional_information_contact_us" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Contact Us</a></li></ul></div></div></li><li class="axp-footer__dls-module__navItem___2SJY5"><input type="checkbox" id="nav-vert-menu-opener-products-services-1" class="axp-footer__dls-module__srOnly___u78M4 axp-footer__dls-module__displayNone___3VUuZ" name="nav-vert-menu-opener-products-services-1"/><label for="nav-vert-menu-opener-products-services-1" aria-label="products-services" id="open-1" class="axp-footer__footer__navVertSubMenuLabel___xSjOp axp-footer__footer__sectionOpener___3-NG3 axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__navLink___2iw6Y axp-footer__dls-module__caret___3BPtC" role="button" tabindex="0" aria-expanded="false">Products & Services</label><div class="axp-footer__footer__navVertSubmenu___1QMkq axp-footer__dls-module__navMenu___2v96a axp-footer__footer__displayNone___1hN1b" id="products-services-submenu"><div class="axp-footer__dls-module__navMenuSection___1sl2X"><ul role="menu"><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Credit Cards" href="https://www.americanexpress.com/us/credit-cards/?inav=us_footer_credit_cards" rel=" " title="Credit Cards" tracking="us_footer_credit_cards" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Credit Cards</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Business Credit Cards" href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/?inav=footer_cards_bus_crdt_crd" rel=" " title="Business Credit Cards" tracking="footer_cards_bus_crdt_crd" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Business Credit Cards</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Corporate Programs" href="https://www.americanexpress.com/us/credit-cards/business/corporate-credit-cards/?inav=footer_corp_prg" rel=" " title="Corporate Programs" tracking="footer_corp_prg" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Corporate Programs</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="View All Gift Cards" href="https://www.americanexpress.com/en-us/prepaid/view-all-cards/?inav=us_footer_products_services_view_all_gift_cards" rel=" " title="View All Gift Cards" tracking="us_footer_products_services_view_all_gift_cards" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">View All Gift Cards</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Savings Accounts & CDs" href="https://www.americanexpress.com/en-us/banking/online-savings/account/?extlink=ps2020=GIN-F&inav=footer_savings" rel=" " title="Savings Accounts & CDs" tracking="footer_savings" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Savings Accounts & CDs</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Download the App" href="https://www.americanexpress.com/en-us/support/digital/amex-mobile-app/?inav=us_footer_products_services_download_the_app" rel=" " title="Download the App" tracking="us_footer_products_services_download_the_app" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Download the App</a></li></ul></div></div></li><li class="axp-footer__dls-module__navItem___2SJY5"><input type="checkbox" id="nav-vert-menu-opener-links-you-may-like-2" class="axp-footer__dls-module__srOnly___u78M4 axp-footer__dls-module__displayNone___3VUuZ" name="nav-vert-menu-opener-links-you-may-like-2"/><label for="nav-vert-menu-opener-links-you-may-like-2" aria-label="links-you-may-like" id="open-2" class="axp-footer__footer__navVertSubMenuLabel___xSjOp axp-footer__footer__sectionOpener___3-NG3 axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__navLink___2iw6Y axp-footer__dls-module__caret___3BPtC" role="button" tabindex="0" aria-expanded="false">Links You May Like</label><div class="axp-footer__footer__navVertSubmenu___1QMkq axp-footer__dls-module__navMenu___2v96a axp-footer__footer__displayNone___1hN1b" id="links-you-may-like-submenu"><div class="axp-footer__dls-module__navMenuSection___1sl2X"><ul role="menu"><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Membership Rewards" href="https://www.americanexpress.com/en-us/benefits/rewards/membership-rewards/?inav=us_footer_links_you_may_like_mr" rel=" " title="Membership Rewards" tracking="us_footer_links_you_may_like_mr" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Membership Rewards</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="FICO® Score and Insights" href="https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/?inav=us_footer_links_you_may_like_fico_score_insights" rel=" " title="FICO® Score and Insights" tracking="us_footer_links_you_may_like_fico_score_insights" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">FICO® Score and Insights</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="CreditSecure®" href="https://www.americanexpress.com/en-us/benefits/creditsecure/?inav=footer_creditsecure" rel=" " title="CreditSecure®" tracking="footer_creditsecure" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">CreditSecure®</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Accept Amex Cards" href="https://www.americanexpress.com/us/merchant/accept-the-card.html?inav=footer_accept_amex" rel=" " title="Accept Amex Cards" tracking="footer_accept_amex" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Accept Amex Cards</a></li><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Refer A Friend" href="https://www.americanexpress.com/en-us/referral?id=201279&intlink=US-MGM-Inav&inav=us_footer_links_you_may_like_refer_a_friend" rel=" " title="Refer A Friend" tracking="us_footer_links_you_may_like_refer_a_friend" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA axp-footer__footer__mobilePadTB___duyEE">Refer A Friend</a></li></ul></div></div></li><li class="axp-footer__dls-module__navItem___2SJY5"><input type="checkbox" id="nav-vert-menu-opener-additional-information-3" class="axp-footer__dls-module__srOnly___u78M4 axp-footer__dls-module__displayNone___3VUuZ" name="nav-vert-menu-opener-additional-information-3"/><label for="nav-vert-menu-opener-additional-information-3" aria-label="additional-information" id="open-3" class="axp-footer__footer__navVertSubMenuLabel___xSjOp axp-footer__footer__sectionOpener___3-NG3 axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__margin0___3S0s6 axp-footer__dls-module__navLink___2iw6Y axp-footer__dls-module__caret___3BPtC" role="button" tabindex="0" aria-expanded="false">Additional Information</label><div class="axp-footer__footer__navVertSubmenu___1QMkq axp-footer__dls-module__navMenu___2v96a axp-footer__footer__displayNone___1hN1b" id="additional-information-submenu"><div class="axp-footer__dls-module__navMenuSection___1sl2X"><ul role="menu"><li class="axp-footer__footer__navVertSubmenuItem___2ArTh" role="menuitem"><a label="Credit Intel – Financial Education Center" href="https://www.americanexpress.com/en-us/credit-cards/credit-intel/?inav=footer_financial_ed" rel=" " title="Credit Intel – Financial Education Center" tracking="footer_financial_ed" class="axp-footer__dls-module__dlsGray01Bg___ZmrCk axp-footer__dls-module__dlsGray02BgHvr___zz6Zr axp-footer__dls-module__textWrap___3wMeN axp-footer__footer__focusOutline___CySgA 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src="data:image/png;base64,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"/></a></li><li><a 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Please try again later.\"],\"exploreAllAvailableCDTerms\",[\"^ \",\"dtm\",[\"^ \",\"impression\",\"exploreallterms\"],\"header\",\"Explore all available terms\",\"footer\",[\"^ \",\"body\",\"To choose your terms, {{cta}}.\",\"arrow\",[\"^ \",\"dtm\",[\"^ \",\"event\",[\"^ \",\"location\",\"exploreallterms\",\"ctaType\",\"arrow\"]]],\"ctas\",[[\"^ \",\"text\",\"open an account\",\"url\",\"/en-us/banking/personal/savings/apply/psa-begin?product=certOfDeposit\u0026intlink=us-acq-shop-consumer-saving-CD-openanaccount-exploreallterms\",\"dtm\",[\"^ \",\"event\",[\"^ \",\"location\",\"openanaccount\"]]]]]],\"FAQs\",[\"^ \",\"dtm\",[\"^ \",\"event\",[\"^ \",\"location\",\"FAQ\"],\"impression\",\"FAQ\"],\"header\",\"Frequently Asked Questions\",\"content\",[[\"^ \",\"question\",\"What is a Certificate of Deposit (CD) account?\",\"answer\",[\"American Express Savings offers Certificate of Deposit (CD) accounts. These are accounts with fixed interest rates and different maturity terms to choose from. Funds cannot be withdrawn from the account prior to the maturity date without a penalty.\"]],[\"^ \",\"question\",\"What is the difference between a High Yield Savings Account and a Certificate of Deposit (CD)?\",\"answer\",[\"High Yield Savings Accounts are considered a liquid asset and offer a variable rate which can increase and decrease over time. Certificates of Deposits have a term and a maturity date that locks in the interest rate for the term. Also, there is an \u003ca title=\\\"early withdrawal penalty\\\" href=\\\"http://www.americanexpress.com/en-us/banking/online-savings/faq/early-withdrawal-from-cd\\\" class=\\\"link-underlined linkout\\\" target=\\\"_blank\\\"\u003eearly withdrawal penalty\u003c/a\u003e to take funds out before maturity date. \"]],[\"^ \",\"question\",\"Can I add additional funds to a CD once it’s been opened?\",\"answer\",[\"The initial funding of a CD during opening is the primary way to add funds. However, you may add funds during the 10 calendar-day period (grace period) following the Maturity Date. At maturity, if your CD is set to automatically renew, there is a 10 calendar-day grace period during which you can add or withdraw funds from your CD account without penalty.\"]],[\"^ \",\"question\",\"What is a Maturity Date and what happens after that date?\",\"answer\",[\"The Maturity Date is the date your Certificate of Deposit (\\\"CD\\\") account is scheduled to be renewed or closed. A penalty may be imposed for a withdrawal of principal before the Maturity Date. Your CD will automatically renew on the Maturity Date, unless we are no longer offering a CD with the same term as your maturing CD or you have asked us to not automatically renew your maturing CD during the term of your CD. At maturity, if your maturing CD automatically renews, you will have a 10 calendar-day period (grace period) during which you can make a deposit or withdraw funds from your CD account without penalty. If you give us instructions prior to the Maturity Date to add or withdraw funds from your CD at maturity, your CD will be renewed on the Maturity Date and there will not be a grace period. You may prevent automatic renewal if you follow the steps online to change your maturity option, call us prior to the maturity date to change your maturity option, or if we receive written notice from you before the Maturity Date.\",\"\u003cbr\u003eFor more information on the terms and conditions of your CD, please see the \u003ca title=\\\"Consumer Deposit Account Agreement and Savings Schedules\\\" href=\\\"https://go.amex/savingsdaa\\\" class=\\\"link-underlined linkout\\\"\u003eConsumer\u0026nbsp;Deposit Account Agreement\u0026nbsp;and Savings Schedules\u003c/a\u003e. For additional terms and conditions, see \\\"Truth-In-Savings disclosures\\\", and “Automatic Renewal.”\"]],[\"^ \",\"question\",\"Am I allowed a partial withdrawal of funds from my CD?\",\"answer\",[\"American Express Savings does not allow partial withdrawals from our CD accounts. 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You understand that, if the amount of the penalty is greater than the available interest earned or credited on your CD, we will deduct the difference from your principal.\",\"\u003cul\u003e\u003cli\u003eFor a CD with a Term of Less than 12 Months: \u0026nbsp; If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 90 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003cbr\u003e\u003cli\u003eFor a CD with a Term of at least 12 Months but Less than 48 Months: If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 270 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003cbr\u003e\u003cli\u003eFor a CD with a Term of at least 48 Months but Less than 60 Months: If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 365 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003cbr\u003e\u003cli\u003eFor a CD with a Term of 60 Months or more: If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 540 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003c/ul\u003e\",\"Note: If your CD was opened or last renewed before April 1, 2018, please see your original account disclosure for the penalty that will apply.\"]],[\"^ \",\"question\",\"How does the interest on a Certificate of Deposit (CD) compound, and can I choose to pay out the interest on a Certificate of Deposit (CD)?\",\"answer\",[\"Interest on all Savings accounts compounds daily and posts to the account monthly. You can choose to receive payments of interest from your Certificate of Deposit account. You can have the interest paid out to you via monthly transfer to your Savings account or linked external account. You can also choose to have the interest paid via check on a monthly, quarterly, or annual basis. If you choose to have interest paid out, instead of remaining in the account, it will affect the Annual Percentage Rate Earned (APYE) because the Annual Percentage Rate (APY) is calculated assuming the interest will remain on deposit.\"]],[\"^ \",\"question\",\"What is CD Laddering?\",\"answer\",[\"You are able to open multiple CD accounts with varying term lengths to take advantage of a CD laddering strategy. A CD ladder allows you to take advantage of the benefits of shorter-term CDs, while also having some funds earn predictable rates for longer terms.\"]]],\"footer\",\"Have other questions? 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\",\"directory\",\"dls\",\"imageName\",\"dls-icon-fraud-protection\"],\"header\",\"Strengthened by Amex\",\"content\",\"The reliability and service you expect from American Express\"]]],\"legalDisclaimers\",[\"^ \",\"disclaimerLinks\",[[\"^ \",\"href\",\"https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/deposit_account_agreement.pdf?extlink=US-Servicing-null-savingsdaa\",\"text\",\"Deposit Account Agreement\",\"ariaLabel\",\"Deposit Account Agreement\",\"target\",\"_blank\",\"dtm\",[\"^ \",\"event\",[\"^ \",\"location\",\"disclaimerLinks\"]]],[\"^ \",\"href\",\"https://www.americanexpress.com/us/company/privacy-center/online-privacy-disclosures/\",\"text\",\"Privacy Statement\",\"ariaLabel\",\"Privacy Statement\",\"target\",\"_blank\",\"dtm\",[\"^ \",\"event\",[\"^ \",\"location\",\"disclaimerLinks\"]]],[\"^ \",\"href\",\"https://www.americanexpress.com/en-us/banking/online-savings/support/\",\"text\",\"Need Help?\",\"ariaLabel\",\"Need 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These are accounts with fixed interest rates and different maturity terms to choose from. Funds cannot be withdrawn from the account prior to the maturity date without a penalty.\"]],[\"^ \",\"@type\",\"Question\",\"name\",\"What is the difference between a High Yield Savings Account and a Certificate of Deposit (CD)?\",\"acceptedAnswer\",[\"^ \",\"@type\",\"Answer\",\"text\",\"High Yield Savings Accounts are considered a liquid asset and offer a variable rate which can increase and decrease over time. Certificates of Deposits have a term and a maturity date that locks in the interest rate for the term. Also, there is an \u003ca title=\\\"early withdrawal penalty\\\" href=\\\"http://www.americanexpress.com/en-us/banking/online-savings/faq/early-withdrawal-from-cd\\\" class=\\\"link-underlined text-link linkout\\\" target=\\\"_blank\\\"\u003eearly withdrawal penalty\u003c/a\u003e to take funds out before maturity date.\"]],[\"^ \",\"@type\",\"Question\",\"name\",\"Can I add additional funds to a CD once it’s been opened?\",\"acceptedAnswer\",[\"^ \",\"@type\",\"Answer\",\"text\",\"The initial funding of a CD during opening is the primary way to add funds. However, you may add funds during the 10 calendar-day period (grace period) following the Maturity Date. At maturity, if your CD is set to automatically renew, there is a 10 calendar-day grace period during which you can add or withdraw funds from your CD account without penalty.\"]],[\"^ \",\"@type\",\"Question\",\"name\",\"What is a Maturity Date and what happens after that date?\",\"acceptedAnswer\",[\"^ \",\"@type\",\"Answer\",\"text\",\"The Maturity Date is the date your Certificate of Deposit (\\\"CD\\\") account is scheduled to be renewed or closed. A penalty may be imposed for a withdrawal of principal before the Maturity Date. Your CD will automatically renew on the Maturity Date, unless we are no longer offering a CD with the same term as your maturing CD or you have asked us to not automatically renew your maturing CD during the term of your CD. At maturity, if your maturing CD automatically renews, you will have a 10 calendar-day period (grace period) during which you can make a deposit or withdraw funds from your CD account without penalty. If you give us instructions prior to the Maturity Date to add or withdraw funds from your CD at maturity, your CD will be renewed on the Maturity Date and there will not be a grace period. You may prevent automatic renewal if you follow the steps online to change your maturity option, call us prior to the maturity date to change your maturity option, or if we receive written notice from you before the Maturity Date.\u003cbr\u003eFor more information on the terms and conditions of your CD, please see the \u003ca title=\\\"Consumer Deposit Account Agreement and Savings Schedules\\\" href=\\\"https://go.amex/savingsdaa\\\" class=\\\"link-underlined text-link linkout\\\"\u003eConsumer\u0026nbsp;Deposit Account Agreement\u0026nbsp;and Savings Schedules\u003c/a\u003e. For additional terms and conditions, see \\\"Truth-In-Savings disclosures\\\", and “Automatic Renewal.\"]],[\"^ \",\"@type\",\"Question\",\"name\",\"Am I allowed a partial withdrawal of funds from my CD?\",\"acceptedAnswer\",[\"^ \",\"@type\",\"Answer\",\"text\",\"American Express Savings does not allow partial withdrawals from our CD accounts. If you wish to make a withdrawal, you will be required to withdraw the full amount in your account and the account will be closed.\"]],[\"^ \",\"@type\",\"Question\",\"name\",\"What if I want to withdraw my funds from my Certificate of Deposit (CD) before the Maturity Date?\",\"acceptedAnswer\",[\"^ \",\"@type\",\"Answer\",\"text\",\"A penalty will be imposed if you withdraw principal from your CD before maturity, or if your CD is closed for any other reason before maturity. (In certain circumstances, such as the death or incompetence of an account holder, we may agree to waive the early withdrawal penalty.) You understand that, if the amount of the penalty is greater than the available interest earned or credited on your CD, we will deduct the difference from your principal. \u003cul\u003e\u003cli\u003eFor a CD with a Term of Less than 12 Months: \u0026nbsp; If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 90 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003cbr\u003e\u003cli\u003eFor a CD with a Term of at least 12 Months but Less than 48 Months: If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 270 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003cbr\u003e\u003cli\u003eFor a CD with a Term of at least 48 Months but Less than 60 Months: If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 365 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003cbr\u003e\u003cli\u003eFor a CD with a Term of 60 Months or more: If you withdraw all of your principal balance or if the account is closed for any other reason before maturity, the penalty is 540 days’ interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents.\u003c/li\u003e\u003c/ul\u003e\u003cbr\u003eNote: If your CD was opened or last renewed before April 1, 2018, please see your original account disclosure for the penalty that will apply.\"]],[\"^ \",\"@type\",\"Question\",\"name\",\"How does the interest on a Certificate of Deposit (CD) compound, and can I choose to pay out the interest on a Certificate of Deposit (CD)?\",\"acceptedAnswer\",[\"^ \",\"@type\",\"Answer\",\"text\",\"Interest on all Savings accounts compounds daily and posts to the account monthly. 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These are accounts with fixed interest rates and different maturity terms to choose from. Funds cannot be withdrawn from the account prior to the maturity date without a penalty." } }, { "@type": "Question", "name": "What is the difference between a High Yield Savings Account and a Certificate of Deposit (CD)?", "acceptedAnswer": { "@type": "Answer", "text": "High Yield Savings Accounts are considered a liquid asset and offer a variable rate which can increase and decrease over time. Certificates of Deposits have a term and a maturity date that locks in the interest rate for the term. 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