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Share Certificates

If you’re looking to make more money than the dividends from your standard savings account can provide, but want to avoid the risks of investment, a share certificate may be the savings solution for you. Your money stays exactly where you want it while earning the dividends you deserve.


  • Safe and secure short-term investment
  • Higher dividend yields than savings accounts 
  • 3 month to 60 month terms

Make your savings count. Choose the right certificate to fit your needs

Account Type


3 – 60 months

3 – 60 months

25 months

36 months

Opening Deposit





Minimum Monthly Deposit


Dividend Minimum Balance





Early Withdrawal Penalty

Catch-Up Contribution

Rate Increase Request

1 x during term


From IRA Certificates at other Financial Institutions

Digital Banking

*If the minimum monthly deposit is not maintained or a withdrawal is made, the rate changes to Share Savings rate. Withdrawal of dividends will not be permitted.

Terms and Conditions

1Minimum opening deposit of $10,000. Fees may reduce earnings. Penalty for early withdrawal.

2Company data, as of Q2 2020

Not Federally Insured No Financial Institution Guarantee May Lose Value

Ameriprise Financial and the financial institution are not affiliated. Ameriprise Financial cannot guarantee future financial results. Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change.

Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2021 Ameriprise Financial, Inc. All rights reserved.

Early withdrawal penalties may apply. See Personal Account Agreement & Disclosure for Truth-In-Savings disclosure and early withdrawal penalties that may apply to Share/IRA/Saver Certificates.