American Express National Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 1.00%, 6-month CD rates at 4.96% and 3-month CD rates at 0.10%. Current savings rates are at 0.30% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 6.95%. Credit Card rates are at 16.50%. Personal Loan rates are at 12.15%. All these rates, and more, can be found in our database of rates. American Express National Bank's 11-Month CD rates are at 4.75%, 24-Month CD rates are at 4.00%, 12-Month CD rates are at 4.00%, 18-Month CD rates are at 3.25%, 60-Month CD rates are at 3.00%. American Express National Bank's savings rates are at 4.35%.

American Express National Bank

To see how these rates compare to American Express National Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from American Express National Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with American Express National Bank CD rates. You can also compare American Express National Bank savings rates, MMA rates and mortgage rates using our other rate lists.

American Express National Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Express National Bank? Share your experience about American Express National Bank by leaving a review below, or read customer reviews before you decide to use American Express National Bank.

American Express National Bank Texas Ratio

American Express National Bank's Texas Ratio is at 3.44%, which is considered excellent. The Texas Ratio for American Express National Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, American Express National Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.00%
18-Month CD
3.25%
24-Month CD
4.00%
36-Month CD
3.00%
48-Month CD
3.00%
60-Month CD
3.00%
Savings
4.35%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
American Express National Bank
115 W Towne Ridge Pkwy
Sandy, UT 84070
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

American Express National Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
American Express National Bank
American Express National Bank
11-Month CD
4.75%
$0
American Express National Bank
American Express National Bank
High Yield Savings Account
4.35%
$0
American Express National Bank
American Express National Bank
12-Month CD
4.00%
$0
American Express National Bank
American Express National Bank
24-Month CD
4.00%
$0
American Express National Bank
American Express National Bank
18-Month CD
3.25%
$0
American Express National Bank
American Express National Bank
36-Month CD
3.00%
$0
American Express National Bank
American Express National Bank
48-Month CD
3.00%
$0
American Express National Bank
American Express National Bank
60-Month CD
3.00%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare American Express National Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
New Haven Bank
New Haven Bank
10-Month CD
5.00%
$500
Raymond James Bank
Raymond James Bank
36-Month CD
4.60%
$1,000
Prairie Bank of Kansas
Prairie Bank of Kansas
12-Month CD
4.55%
$1,000
American Express National Bank
American Express National Bank
High Yield Savings Account
4.35%
$0
Communitywide Federal Credit Union
Communitywide Federal Credit Union
60-Month CD
4.00%
$1,000
Touchmark Bank
Touchmark Bank
3-Month CD
4.00%
$1,000
Sandy Spring Bank
Sandy Spring Bank
18-Month CD
4.00%
$1,000
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
24-Month CD certificate
3.90%
$2,500
State Bank of Newburg
State Bank of Newburg
36-Month CD
3.87%
$10,000
Hatboro Federal Savings
Hatboro Federal Savings
Tiered Money Market
3.75%
$1,000
The Bank of Steinauer
The Bank of Steinauer
12-Month CD
3.55%
$500
Access Federal Credit Union
Access Federal Credit Union
48-Month CD share certificate
3.25%
$1,000
First Bank Hampton
First Bank Hampton
Money Market Savings Account
3.03%
$250,000
Foresight Bank
Foresight Bank
24-Month CD
2.88%
$500
City National B&T Co. of Lawton, OK
60-Month CD
2.75%
$500
FCNB of St. Paris
24-Month CD
2.75%
$1,000
Axiom Bank
Axiom Bank
48-Month CD
2.50%
$500
Bonanza Valley State Bank
Bonanza Valley State Bank
12-Month CD
2.46%
$500
Farmers State Bank Center, TX
Farmers State Bank Center, TX
12-Month CD
2.38%
$1,000
FSB of Burnet
FSB of Burnet
24-Month CD
2.27%
$1,000
Perennial Bank
Perennial Bank
30-Month CD
2.26%
$1,000
MutualOne Bank
MutualOne Bank
18-Month CD
1.75%
$500
Karnes County National Bank
Karnes County National Bank
Money Market
1.25%
$0
Buena Vista National Bank
Buena Vista National Bank
30-Month CD
1.10%
$500
Bank of Hartington
Bank of Hartington
Now Account checking
1.01%
$1,500
Forte Bank
Forte Bank
12-Month CD
1.00%
$1,000
Sullivan Bank
Sullivan Bank
Savings Rewards with Cash Rewards
1.00%
$100
Mid-Missouri Bank
Mid-Missouri Bank
60-Month CD
1.00%
$1,000
First National Bank in Pinckneyville
First National Bank in Pinckneyville
48-Month CD
0.75%
$500
Androscoggin Savings Bank
Androscoggin Savings Bank
24-Month CD
0.75%
$500
cfsbank
cfsbank
18-Month CD
0.70%
$1,000
CNB Hugoton, KS
CNB Hugoton, KS
Money Market Investment Account
0.65%
$2,000
Deerwood Bank
Deerwood Bank
MySavings
0.60%
$0
Main Street Bank Corp
Main Street Bank Corp
24-Month CD
0.50%
$1,000
Marion Center Bank
Marion Center Bank
Money Market
0.50%
$1,000
1st Bank Yuma
1st Bank Yuma
24-Month CD
0.50%
$1,000
Chemung Canal Trust Company
Chemung Canal Trust Company
24-Month CD
0.35%
$1,000
Premier Bank
Premier Bank
60-Month CD
0.30%
$500
Crest Savings Bank
Crest Savings Bank
18-Month CD
0.30%
$500
Bank Plus
Bank Plus
Money Market
0.25%
$2,000
Chelsea Groton Bank
Chelsea Groton Bank
24-Month CD
0.20%
$500
Hoyne Savings Bank
Hoyne Savings Bank
12-Month CD
0.20%
$500
Peoples Bank Chestertown, MD
Peoples Bank Chestertown, MD
6-Month CD
0.15%
$500
American Bank of Beaver Dam
American Bank of Beaver Dam
Interest-Bearing Checking
0.10%
$100
Great Midwest Bank
Great Midwest Bank
Classic Savings
0.10%
$200
Bank of Herrin
Bank of Herrin
Statement Savings
0.10%
$50
Bank of Sun Prairie
Bank of Sun Prairie
Savings Account Business
0.05%
$100
Milford Bank
Milford Bank
3-Month CD
0.05%
$1,000
Busey Bank
Busey Bank
Money Market
0.01%
$2,500
First Citizens Bank
First Citizens Bank
12-Month CD
0.01%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

American Express National Bank Information

American Express National Bank
115 W Towne Ridge Pkwy
Sandy, UT 84070
Salt Lake
Established Date: 03/20/1989
FDIC Certificate #: 27471
Date of FDIC Deposit Insurance: 03/20/1989
Bank Holding Company: AMERICAN EXPRESS CO
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is American Express National Bank FDIC Insured? Yes
What is American Express National Bank's Cert number? 27471
What is the maximum amount for insured deposits? $250,000 per holder, per account

American Express National Bank Financials

Total Assets:
$165,450,140,000
Total Deposits:
$130,156,839,000
Equity Capital:
$14,581,754,000
Domestic Deposits:
$130,156,839,000
Net Income:
$1,317,610,000
Return on Assets:
4.7618%
Quarterly Return on Assets:
3.2900%
Pretax Return on Assets:
4.2541%
Pretax Quarterly Return on Assets:
4.2500%
Return on Equity:
49.5800%
Quarterly Return on Equity:
36.5600%
Common Equity Tier 1 Capital Ratio:
11.2125%
Tier 1 Risk-Based Capital Ratio:
11.2125%
Leverage Tier 1 (Core Capital) Ratio:
9.5058%
Total Risk-Based Capital Ratio (YTD):
13.1225%
Total Interest Income (YTD):
8.0186%
 
 
Headquarters:
Sandy
FDIC Field Office:
Salt Lake City
Regulator:
OCC
County:
Salt Lake
# of Offices:
1
Metropolitan Statistical Area (MSA):
Salt Lake City, UT
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
San Francisco
Source: FDIC

Highest Savings Account Rates for September 8, 2023

Since the Federal Reserve has been increasing rates for the past 15 months, high-yield savings accounts have become an even more attractive option for savers and investors. Gone are the days of low interest rates for online banks, if you're looking to maximize your returns on your savings account, you've come to the right place. Below, we list some of the highest and most competitive savings account rates available in descending order of the interest rate offered:

Highest Savings Rates:

  • UBS Bank USA: 5.40%, Minimum deposit: $1000
  •     Read more...

    Are you Looking for High Interest Rates on your Savings?

    Are you looking for high interest rates on your savings? A 12-month certificate of deposit (CD) with rates above 4.00 percent may be the right choice for you. Banks and credit unions offer CD's as a type of savings account that generally have higher interest rates than traditional savings accounts. However, these accounts require the deposit to stay in the account for a specified period of time, usually ranging from a few months to several years.

    When searching for the best CD rates, it's essential to compare rates from different financial institutions. Websites such as monitorbankrates.com and bankrate.com can be incredibly helpful in this regard. According to monitorbankrates.com, some of the highest 12-month CD rates currently available include: Connexus Credit Union with 4.85%, First Internet Bank of Indiana with 4.75 percent, CIT Bank, also with 4.75 percent, and CFG Community Bank with 4.70 percent. Bankrate.com also lists several financial institutions offering 12-month CD rates above 4.00 percent, such as American Express National Bank with 4.15 percent and Discover Bank with 4.15 percent.

    When considering a CD, it's important to consider the rate as well as the length of the term. A higher rate may be more attractive, but if the term is longer, the account holder may miss out on potentially higher rates if they become available in the future. Additionally, it's important to consider whether the account holder will need to access the funds before the term is up, as early withdrawals may result in penalties.

        Read more...

    American Express National Bank CD Rates Lowered

    American Express National Bank CD RatesAmerican Express National Bank CD rates were lowered on both regular and jumbo certificates of deposit. Despite the fact CD rates at American Express National Bank were lowered, the bank's rates are still very competitive. For example, 2 year CD rates from American Express were lowered 15 basis points to 2.65 percent. The current FDIC national average 2 year CD rate is much lower at 0.87 percent.2 year jumbo CD rates at American Express were also lowered from 2.80 percent to 2.65 percent. 2 year rates had the largest decrease of 15 basis points and all other CD rate decreases were 10 basis points. Both regular and jumbo CD rates at American Express were lowered by the same amount for the terms listed below.

    American Express National Bank CD Rate Changes

        Read more...

    Explore Other Rate Deals

    Mortgage rates increased slightly in the latest mortgage survey released last week by the Mortgage Bankers Association. The average 30 year mortgage rate increased slightly to 4.68 percent for the week ending July 2, 2010. The average contract 30 year mortgage rate is up are up from last week’s average mortgage rate of 4.67 percent. The average mortgage discount points on 30 year mortgages decreased to 0.86 points, down from the prior week’s average of 0.96 points.
    The highest CD rates this well haven't changed much and won't for several more years. Today is the first day of the two day meeting of the Federal Open Market Committee. Recent weak economic news has most economic analysts believing that another round of quantitative easing is just around the corner.
    are-some-bank-cd-rates-riskyBelieve it or not there is a fight brewing over CD Rates. The American Bankers Association's (ABA) President & CEO, Edward Yingling, sent a letter to the FDIC's Chairwoman, Sheila Bair, basically saying the FDIC needs to do it's job and stop Ally Bank (formally GMAC Bank) from offering some of the highest CD rates in the nation. Bank CD rates which are more than double the national average for some CD deposits

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    American Express National Bank Reviews

    Tom B.
    ★★★★★
    October 21, 2023
    Easy to open the certificate of deposit online, great CD rate as well.
    Average Rating
    ★★★★★
    Total Reviews
    1
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