Certificates of Deposit and Investment Certificates

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Certificates & CDs

Many people keep an accessible cash reserve for emergencies or sudden financial opportunities in a checking or savings account. This may be a wise tactic but it's not necessarily the best way to earn interest. An Ameriprise^® Certificate or Ameriprise Bank CD may be able to help you earn more on the money you save, with generally higher interest rates than a regular checking or savings account would pay.

Ameriprise Certificates

Also called a face-amount certificate, an investment certificate is a security that is defined and regulated by the Investment Company Act of 1940. Ameriprise Certificates offer principal protection and low investment minimums, in addition to guaranteed rates on some of the products.

How certificates can help you save

Ameriprise offers several different face-amount certificates to meet both your longer-term and shorter-term cash management needs. An Ameriprise financial advisor can work with you to select an Ameriprise certificate that is right for you. Current certificate rates

Certificates of Deposit (CDs)

With an Ameriprise Bank CD, you make a deposit for a fixed amount of time, anywhere from 3 months to 5 years. In return, the bank gives you a guaranteed interest rate for the time period. When the CD matures, you may withdraw your deposit in addition to the accumulated interest. Current CD rates

How CDs can help you save

You can help make your assets work harder for you by locking in an interest rate with a CD. Ameriprise CDs require a low minimum opening deposit of just $2,500, and all accounts are FDIC insured, making them a valuable part of a well-balanced cash management strategy.

You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. For a free copy of the certificate prospectus, which contains this and other information, download it or call (800) 862-7919. Read the prospectus carefully before you invest.

Investment products are not federally or FDIC insured, are not deposits or obligations of or guaranteed by any financial institution and involve investment risks including possible loss of principal and fluctuation in value.

These products are not available to business customers.

Ameriprise Bank, FSB, Member FDIC is an equal housing lender. Ameriprise Financial Services, Inc. and Ameriprise Bank, FSB are subsidiaries of Ameriprise Financial, Inc.

Ameriprise Certificates are backed by reserves of cash and qualified assets on deposit. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. Bank CDs are FDIC insured.

Ameriprise Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services. Member FINRA.

Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Next steps

Smart saving for your future

Learn how certificates and CDs can fit into an overall investment plan and how to invest wisely for both long- or short-term goals.

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*Ameriprise helped pioneer the financial planning process. Our unique approach is about more than just numbers, it's both science and art. We have more financial planning clients and more CERTIFIED FINANCIAL PLANNER^TM professionals than any other company in the U.S. based on data filed at adviserinfo.sec.gov and documented by the Certified Financial Planner Board of Standards, Inc. as of December 31, 2007.