Certificate of Deposit

Grow your cash faster with a CD Special.

Earn guaranteed returns with Annual Percentage Yield (APY) that outshine traditional savings accounts. See your rates by adding your ZIP code below.

CD Special rates

Starting at

4.00%

APY for 5 months

3.50%

APY for 9 months

3.00%

APY for 13 months

Rates vary by term and location. ¹²³⁴⁵Check yours below before opening an account.

Certificate of Deposit

Grow your cash faster with a CD Special.

Earn guaranteed returns with Annual Percentage Yield (APY) that outshine traditional savings accounts. See your rates by adding your ZIP code below.

Enter your ZIP code to explore CD rates in your area.

Opening an account online is easy. Start by getting rates based on your ZIP code, then select your terms and rates to see how to build your savings.

A ZIP code is required to check local rate information.

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CD Special

With a CD Special, you lock in the best CD rates we offer to the general public. And if you already bank with us, we may be able to offer you an even better bonus rate. Open your CD Special account with a $1,000 minimum deposit. ¹²³⁴

Certificate of Deposit Tier Range

CHOOSE YOUR ANNUAL PERCENTAGE YIELD ⁵

Open account Learn more

Standard CD

Enjoy flexible terms and a lower minimum deposit of only $500. ⁶

ANNUAL PERCENTAGE YIELD ⁵

% for ^{1 3 4}

See other term lengths

Open account Learn more

Step Up CD

Get locked-in rate increases with a $1,000 minimum deposit. ²

ANNUAL PERCENTAGE YIELD ⁵

Rates increase

0.20%

Every seven months for 28 months¹³⁴

See interest rates

Open account Learn more

Trade Up CD

Take advantage of rising rates once per term. The Trade Up CD has a $1,000 minimum deposit. ²

ANNUAL PERCENTAGE YIELD ⁵

%for ¹³⁴

See other term lengths

Open account Learn more

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How much can you earn?

Choose your CD, opening deposit, and term length to see how much you can earn.¹²³⁴
The Annual Percentage Yield ⁵ (APY) is effective May 19, 2025 for ZIP code . (Edit ZIP code)

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Specify your deposit amount to get started.

Deposit amount

Please enter an amount between $1,000 and $250,000.

YOUR ESTIMATED TOTAL EARNINGS

Your deposit: $0

Estimated Earnings: $0

3 great reasons why you should open a CD account

More for your money

CDs offer our most competitive, promotional rates - and great returns.

Guaranteed returns

Choose the term length that works best for you. The rate is guaranteed for the full length of whatever term you choose.

FDIC insured

All U.S. Bank CDs, including the CD Special, are FDIC-insured up to $250,000. ¹

CD laddering

Make the most of short-term and long-term CDs.

Get the flexibility you need to customize your savings and take advantage of guaranteed returns.

Learn more

Find out more about CDs and the best ways to manage your money.

Whether you need answers to common questions about CDs or want to brush up on your financial knowledge as a whole, our Financial IQ provides an abundance of information, including the following three articles.

CDs: How they work to grow your money

Learn how this savings tool works and when it could work well for you.

Three tips for saving money easily

Make building wealth a part of your regular routine. Check out these three tips.

Saving vs. investing: What’s the difference?

You know that putting money aside for the future is important. But do you know the best strategies to tackle both saving and investing in the years ahead?

Frequently asked questions

Ready to get started?

Call 844-497-2827

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Make an appointment

Disclosures

Footnote 1

FDIC insured to the maximum allowed by law.

Return to content, Footnote 1
Footnote 2

$1,000 minimum opening deposit up to a maximum of $250,000.

Return to content, Footnote 2
Footnote 3

Online application is not valid for single maturity CDs, business or retirement CDs, brokerage deposits, institutional investors, public funds or in conjunction with other promotional offers.

Return to content, Footnote 3
Footnote 4

Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

Return to content, Footnote 4
Footnote 5

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

Return to content, Footnote 5
Footnote 6

$500 minimum opening deposit up to a maximum of $250,000.

Return to content, Footnote 6

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

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Certificate of Deposit

Grow your cash faster with a CD Special.

Certificate of Deposit

Grow your cash faster with a CD Special.

CD Special

Standard CD

Step Up CD

Trade Up CD

How much can you earn?

Make the most of short-term and long-term CDs.

Find out more about CDs and the best ways to manage your money.

CDs: How they work to grow your money

Three tips for saving money easily

Saving vs. investing: What’s the difference?

Ready to get started?

Disclosures

Before you go, be sure you know:

Certificate of Deposit

Grow your cash faster with a CD Special.

Certificate of Deposit

Grow your cash faster with a CD Special.

Make the most of short-term and long-term CDs.

Find out more about CDs and the best ways to manage your money.

CDs: How they work to grow your money

Three tips for saving money easily

Saving vs. investing: What’s the difference?

What is a certificate of deposit?

How do CD rates work?

Are U.S. Bank CD accounts FDIC-insured?

What are the different types of CDs?

What are the benefits of a bank CD?

What should I consider when choosing a CD term?

What happens at the CD maturity date?

What is the minimum deposit required to open a CD at U.S. Bank?

How do I open a CD account with U.S. Bank?

Ready to get started?

Disclosures