U.S. Bank CD rates
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U.S. Bank offers a wide variety of terms for its certificates of deposit (CDs), but they’re not the best choice for savers keen on finding the best CD rates available.
The bank offers standard CDs with terms ranging from one month to five years. It also offers several CD Specials, which offer the most compelling rates.
U.S. Bank earned 2.9 stars out of 5 for its CDs and an overall rating of 3.5 out of 5.
U.S. Bank CD rates
Term lengths for U.S. Bank’s CDs range from one month to five years. CDs with term lengths from one month through 24 months earn the same annual percent yield (APY), regardless of balance. The 36- 48- and 60-month CDs earn higher rates, but still lower than the national average. The minimum balance required is $500, and the maximum balance is $250,000. An early withdrawal fee applies to withdrawals before the end of the term.
U.S. Bank offers more competitive rates on its Special CDs. Special CDs come in three terms. A $1,000 minimum deposit is required to earn the special rate.
Here’s more information about U.S. Bank’s CD products.
| Term | APY | Min. deposit |
|---|---|---|
| 1 month | 0.05% APY | $500 |
| 2 months | 0.05% APY | $500 |
| 3 months | 0.05% APY | $500 |
| 5 months | 4.00% APY | $1,000 |
| 6 months | 0.05% APY | $500 |
| 9 months | 3.30% APY | $1,000 |
| 1 year | 0.05% APY | $500 |
| 13 months | 3.00% APY | $1,000 |
| 2 years | 0.05% APY | $500 |
| 3 years | 0.10% APY | $500 |
| 4 years | 0.15% APY | $500 |
| 5 years | 0.25% APY | $500 |
Note: Annual percentage yields (APYs) were last updated on September 15, 2025 and may vary by region.
How U.S. Bank CD rates compare with top-yielding banks
U.S. Bank CD rates are low compared with many other banks. Some competitors, especially online banks, pay up to 4.25 percent APY on short-term CDs. Keep in mind, however, that some banks may have lower minimum deposit requirements but fewer term options.
U.S. Bank’s CD Specials are the only CD options that offer competitive rates. But you can still find CDs from other banks that offer better rates to help you reach your financial goals sooner, including:
Other savings options at U.S. Bank
In addition to standard and CD Specials, U.S. Bank offers Step Up and Trade Up CDs.
The Step Up CD gives you an automatic interest rate increase every seven months during the CD’s 28-month term, with an overall blended yield of 0.35 percent APY. The Trade Up CD lets you boost your rate one time if rates go up during the CD’s 30-month or five-year term. Both of these CDs require $1,000 to open.
U.S. Bank also offers a savings account and money market account.