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American Express Rate Changes as of 7-17-2025

RichardW
  |     |   834 posts since 2019

American Express lowers the rate of their 12-month CD. The rates of their other products remain the same.

American Express rates (APY) as of 7-17-2025 include:

High Yield Savings Account @ 3.60% (no change)

11-month @ 3.50% (no change)

12-month @ 3.25% (was 3.50%)

14-month @ 4.00% (no change)

18-month @ 3.85% (no change)

22-month @ 4.00% (no change)

24-month @ 3.85% (no change)

36-month @ 3.60% (no change)

48-month @ 3.60% (no change)

60-month @ 3.75% (no change)

For more information regarding American Express HYSA and CDs see: 

https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings/

https://www.americanexpress.com/en-us/banking/online-savings/cd/

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RichardW
  |     |   834 posts since 2019
The par yields of several Treasuries as of 7/16/2025 are listed below. If you are currently considering the purchase of a CD, you may wish to consider a Treasury instead. Treasuries are exempt from state and local income taxes.

1-month: 4.36%
1.5-month: 4.40%
2-month: 4.45%
3-month: 4.41%
4-month: 4.42%
6-month: 4.31%
1-year: 4.08%
2-year: 3.88%
3-year: 3.86%
5-year: 3.99%
7-year: 4.21%
10-year: 4.46%

https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202507
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