Ameriprise Certificate Co.
01/21/2026 | Press release | Distributed by Public on 01/21/2026 06:53
Prospectus by Investment Company (Form 497)
Supplement dated January 21, 2026
to the Prospectus of Ameriprise Certificates
(April 23, 2025) S-6000 AY
This Supplement supersedes the Supplement dated November 14, 2025.
For Ameriprise Flexible Savings Certificate: Effective for sales on or after January 21, 2026, information about interest rate ranges for new purchases found on pages 18-20 of the Prospectus has been revised to read as follows:
For purchases of certificates for less than $100,000, ACC guarantees that your rate for your initial term will be:
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3 months
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Within a range from 75 basis points (0.75%) above to 175 basis points (1.75%) above the National Deposit Rate published for 3-month CDs.
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6 months
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Within a range from 70 basis points (0.70%) above to 170 basis points (1.70%) above the National Deposit Rate published for 6-month CDs.
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9 months
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Within a range from 70 basis points (0.70%) above to 170 basis points (1.70%) above the National Deposit Rate published for 6-month CDs.
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12 months
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Within a range from 60 basis points (0.60%) above to 160 basis points (1.60%) above the National Deposit Rate published for 12-month CDs.
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18 months
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Within a range from 60 basis points (0.60%) above to 160 basis points (1.60%) above the National Deposit Rate published for 12-month CDs.
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24 months
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Within a range from 80 basis points (0.80%) above to 180 basis points (1.80%) above the National Deposit Rate published for 24-month CDs.
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30 months
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Within a range from 75 basis points (0.75%) above to 175 basis points (1.75%) above the National Deposit Rate published for 24-month CDs.
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36 months
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Within a range from 85 basis points (0.85%) above to 185 basis points (1.85%) above the National Deposit Rate published for 36-month CDs.
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For purchases of certificates for $100,000 or more, ACC guarantees that your rate for your initial term will be:
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3 months
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Within a range from 85 basis points (0.85%) above to 185 basis points (1.85%) above the National Deposit Rate published for 3-month CDs.
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6 months
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Within a range from 80 basis points (0.80%) above to 180 basis points (1.80%) above the National Deposit Rate published for 6-month CDs.
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9 months
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Within a range from 80 basis points (0.80%) above to 180 basis points (1.80%) above the National Deposit Rate published for 6-month CDs.
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12 months
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Within a range from 70 basis points (0.70%) above to 170 basis points (1.70%) above the National Deposit Rate published for 12-month CDs.
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18 months
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Within a range from 70 basis points (0.70%) above to 170 basis points (1.70%) above the National Deposit Rate published for 12-month CDs.
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24 months
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Within a range from 90 basis points (0.90%) above to 190 basis points (1.90%) above the National Deposit Rate published for 24-month CDs.
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30 months
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Within a range from 85 basis points (0.85%) above to 185 basis points (1.85%) above the National Deposit Rate published for 24-month CDs.
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36 months
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Within a range from 95 basis points (0.95%) above to 195 basis points (1.95%) above the National Deposit Rate published for 36-month CDs.
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For example, if the average rate most recently published for the National Deposit Rate for 12-month CDs is 1.63%, our rate in effect for the following week for investment amounts less than $100,000 would be between 2.23% and 3.23% for the 12-month term product.
For purchases of certificates for less than $100,000, ACC guarantees that your rate for your initial term will be:
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7 months*
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Within a range from 70 basis points (0.70%) above to 170 basis points (1.70%) above the National Deposit Rate published for 6-month CDs.
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11 months
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Within a range from 85 basis points (0.85%) above to 185 basis points (1.85%) above the National Deposit Rate published for 12-month CDs.
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19 months
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Within a range from 85 basis points (0.85%) above to 185 basis points (1.85%) above the National Deposit Rate published for 12-month CDs.
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25 months
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Within a range from 105 basis points (1.05%) above to 205 basis points (2.05%) above the National Deposit Rate published for 24-month CDs.
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31 months
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Within a range from 100 basis points (1.00%) above to 200 basis points (2.00%) above the National Deposit Rate published for 24-month CDs.
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37 months
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Within a range from 110 basis points (1.10%) above to 210 basis points (2.10%) above the National Deposit Rate published for 36-month CDs.
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*
See section entitled "Investment Amounts and Terms" about minimum investment requirements.
For purchases of certificates for $100,000 or more, ACC guarantees that your rate for your initial term will be:
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7 months*
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Within a range from 80 basis points (0.80%) above to 180 basis points (1.80%) above the National Deposit Rate published for 6-month CDs.
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11 months
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Within a range from 95 basis points (0.95%) above to 195 basis points (1.95%) above the National Deposit Rate published for 12-month CDs.
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13 months*
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Within a range from 70 basis points (0.70%) above to 170 basis points (1.70%) above the National Deposit Rate published for 12-month CDs.
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19 months
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Within a range from 95 basis points (0.95%) above to 195 basis points (1.95%) above the National Deposit Rate published for 12-month CDs.
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25 months
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Within a range from 115 basis points (1.15%) above to 215 basis points (2.15%) above the National Deposit Rate published for 24-month CDs.
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31 months
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Within a range from 110 basis points (1.10%) above to 210 basis points (2.10%) above the National Deposit Rate published for 24-month CDs.
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37 months
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Within a range from 120 basis points (1.20%) above to 220 basis points (2.20%) above the National Deposit Rate published for 36-month CDs.
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*
See section entitled "Investment Amounts and Terms" about minimum investment requirements.
The rest of the information on pages 18-20 remains unchanged.
S-6000-70 A (01/26)
The Board of Directors of Ameriprise Certificate Company (ACC) accepted the resignation of Mr. Brian Granger, and appointed Mr. Michael S. Mattox effective November 2025. The information on page 56 regarding Mr. Granger has been replaced with the information for Mr. Mattox as follows:
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Name,
address,
age
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Position held
with ACC and
length of service
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Principal occupations
during past five years
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Other directorships
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Committee
memberships
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Michael S. Mattox
901 3rd Ave S
Minneapolis, MN 55402
Born in 1968
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Vice President,
Controller and Chief
Accounting Officer
since November
2025
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Vice President and
Business Unit Controller
- Corporate and Advice
and Wealth
Management
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None
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None
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The rest of the information on page 56 remains unchanged.
Effective June 1, 2025, information on the distribution schedules beginning on page 50 of the prospectus for Ameriprise Certificates is revised to read as follows:
DISTRIBUTION
Under the Distribution Agreement between ACC and Ameriprise Financial Services, Ameriprise Financial Services receives compensation for the distribution of Ameriprise certificates as follows:
For Ameriprise Cash Reserve Certificate:
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0.025% of the initial payment on the issue date of the certificate, and
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0.025% of the certificate's reserve at the beginning of the second and subsequent quarters from issue date.
For Ameriprise Flexible Savings Certificate:
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For all terms except 7 and 13 months, 0.025% of the initial investment amount on the first day of the certificate's term;
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For all terms except 7 and 13 months, 0.025% of the certificate's reserve at the beginning of the second and subsequent quarters from issue date of the certificate or at the end of the renewal grace period when the renewal corresponds with the quarterly reserve payment;
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For 7-month terms, 0.025% of the initial investment amount on the first day of the certificate's term, 0.025% of the certificate's reserve at the beginning of the second quarter from issue date of the certificate and 0.008% of the certificate's reserve at the beginning of the last month of the certificate term; and
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For 13-month terms, 0.025% of the initial investment amount on the first day of the certificate's term, 0.025% of the certificate's reserve at the beginning of the second, third and fourth quarters from issue date of the certificate and 0.008% of the certificate's reserve at the beginning of the last month of the certificate term.
For Ameriprise Installment Certificate:
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0.25% of all payments. This fee is paid on all payments received on or after issue of the certificate until the certificate's maturity date.
The distribution fee is not assessed to your certificate account.
The rest of the section remains unchanged.
S-6000-70 A (01/26)
Ameriprise Certificate Co. published this content on January 21, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on January 21, 2026 at 12:53 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]