American Express High Yield Savings
A no-frills HYSA from Amex with strong brand backing.
APY
3.20%
LiveEditor rating
4.0 / 5
Insurance
FDIC
Cert #27471
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APY history
1 snapshot| Date | APY | Change |
|---|---|---|
| 2026-04-06 | 3.20% | — |
Editor's Verdict
Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.
By HYSA Compare Editorial Team · APY verified on 2026-04-06T22:53:50.591Z
Pros
- + Trusted brand name
- + No fees, no minimums
- + Easy linking to existing Amex accounts
Cons
- − APY is conservative
- − No checking or ATM access
What you'd earn at American Express National Bank
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$2,930
Final balance
$27,930
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,364 | $364 |
| 2 | $16,000 | $16,835 | $835 |
| 3 | $19,000 | $20,418 | $1,418 |
| 4 | $22,000 | $24,115 | $2,115 |
| 5 | $25,000 | $27,930 | $2,930 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Account details
- Institution type
- BANK
- Minimum opening deposit
- $0
- Min. balance to earn APY
- $0
- Monthly fee
- $0.00
- Compounding
- daily
- ATM access
- No
- Check writing
- No
- Mobile app
- Yes