Certificate of Deposit (CD) in Ameriprise

Looking for a low‑volatility way to grow cash while preserving principal? A Certificate of Deposit (CD) available through Ameriprise offers fixed interest, clear maturity dates, and the convenience of holding your CDs alongside other investments in one streamlined brokerage experience. Whether you’re building an emergency fund, planning near‑term purchases, or balancing a retirement income strategy, CDs can help you lock in a predictable return without daily market swings.

What you get with an Ameriprise CD

• Predictable earnings: Fixed interest for the life of the CD, so you know what you’ll earn if held to maturity.
• FDIC coverage: Brokered CDs purchased through Ameriprise are issued by FDIC‑member banks and are eligible for FDIC insurance up to applicable limits per depositor, per insured bank.
• Flexible terms: Choose maturities typically ranging from a few months to multiple years to match your cash flow needs.
• Laddering options: Stagger maturities to seek steady liquidity and reduce reinvestment risk.
• Account integration: Hold CDs in your Ameriprise brokerage, IRA, or other eligible accounts with consolidated statements and online access.
• Professional guidance: Work with an Ameriprise financial advisor to align CD selections with your broader financial plan.

How CDs through Ameriprise work

Ameriprise offers access to brokered CDs that are issued by a range of FDIC‑insured banks. You can buy newly issued CDs or purchase on the secondary market. Interest may be paid semiannually, quarterly, or at maturity depending on the offering. If you need funds before maturity, you can generally sell a brokered CD in the secondary market—however, pricing will reflect current interest rates and market demand, which means you could receive more or less than the original amount.

Some CDs may be callable, allowing the issuing bank to redeem the CD early at predetermined dates. Callable features can influence yield and reinvestment timing, so it’s important to review the terms before purchasing.

Why consider Ameriprise for CDs

• Curated selection: Compare CDs from multiple banks in one place and choose the combination of maturity, yield, and features that fits your goals.
• Transparent details: See key terms, interest payment schedules, and call provisions upfront.
• Consolidated view: Keep cash, CDs, bonds, funds, and equities under one roof for easier tracking and reporting.
• Goal‑based advice: Integrate CDs into income strategies, short‑term reserves, and tax‑advantaged retirement accounts.

Safety, coverage, and considerations

FDIC insurance for CDs applies through the issuing bank—not the brokerage—and is subject to standard limits per depositor, per insured bank, per ownership category. If you hold CDs from multiple issuing banks, coverage may be available at each bank separately. Beneficiary designations and account titling can affect coverage amounts. Taxes on interest may apply; placing CDs in IRAs or other tax‑advantaged accounts can help defer or manage taxes.

As with all fixed‑income investments, CDs carry interest rate risk if sold before maturity. Secondary market prices generally fall when interest rates rise and may increase when rates decline. Review each offering’s disclosure for fees, call features, and settlement details.

Who benefits most

• Savers seeking principal protection and a known return over a set timeframe.
• Retirees and pre‑retirees building laddered income for upcoming expenses.
• Investors diversifying cash holdings beyond traditional savings accounts.

Getting started

Discuss your time horizon, liquidity needs, and risk tolerance with an Ameriprise financial advisor. Together, you can:

• Compare current CD offerings and structures.
• Design a ladder that staggers maturities to match upcoming goals.
• Select the appropriate account type—taxable or IRA—to optimize after‑tax yield.
• Set up maturity alerts and reinvestment preferences to keep cash working.

SEO highlights

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Put your cash to work with an Ameriprise CD strategy that balances clarity, coverage, and convenience—so your short‑term money supports your long‑term plan.

Address Bank: Ameriprise Financial Center, Minneapolis, Minnesota, U.S.
Bank: Ameriprise
Headquarters: Minneapolis
Products: Deposit Accounts
Type: Certificate of Deposit (CD)