American Express High Yield Savings review
No minimum balance is required to open, avoid fees or obtain the disclosed APY. The APY is variable; the current numeric rate was not independently confirmed in this check.
Observed APY
Check providerMinimum to open
$0Rate status
Needs confirmationNo minimum balance is required to open, avoid fees or obtain the disclosed APY. The APY is variable; the current numeric rate was not independently confirmed in this check.
Check current provider terms ↗Compare alternatives on the same basis
3.95% observed APY
$100 minimum opening balance. Interest accrues and compounds daily; no hidden fees are listed on the product selection page.
Bask Interest Savings4.15% observed APY
No minimum balance or monthly account fees. Rate is variable and the account should be funded within 15 business days under the provider disclosure.
CIT Platinum Savings3.75% observed APY
3.75% APY requires a balance of $5,000 or more; balances below that tier earn 0.25%. Variable rate; no opening or monthly service fee is listed.
Not an exhaustive ranking. All figures use the shared provider observations; promotional and balance conditions differ.
Common questions
What is the American Express High Yield Savings APY?
We could not confirm the current numeric APY from the provider page. Follow the provider link for the latest rate.
What should I compare before opening?
Compare the APY you qualify for, opening deposit, maintenance fees, withdrawal access, and any promotional end date. A higher conditional rate may not suit someone unable to meet its deposit requirements.
Is this a savings account or a CD?
This page covers a savings product with a variable rate. A certificate of deposit is a different product with its own term, rate, and early-withdrawal conditions.
Sources and limitations
Source: American Express High Yield Savings provider page, checked 2026-09-28. We have not conducted hands-on account testing or a customer-service survey. No numerical review score is assigned here. Dated rate observations are available in the tracker. Editorial policy.
Rate observations and history · Compare all listed savings offers · HYSA versus CD · Savings goal calculator