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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

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.

Read the article

Three tips for saving money easily

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

Read the article

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?

Read the article

Frequently asked questions

A certificate of deposit (CD) is an account that offers you a higher interest rate than a traditional savings account in exchange for leaving your money untouched for an agreed upon time. That time period is known as the term length.4 You'll incur a penalty if you withdraw your funds before the term is done.

The total amount of interest you earn on a CD is determined by the term length 4 and your initial deposit. Typically, the longer your term length and the greater your deposit, the higher the interest you’ll earn. Different CD products offer you different term length options and require different initial deposits. Get the added protection of the Federal Deposit Insurance Corporation (FDIC). Your CD account is FDIC-insured up to $250,000.1

Annual Percentage Yield 5, or APY, is the total interest earned over the course of the year. This is different from the interest rate as it includes compounding interest.

As you accumulate interest on your initial deposit, your account balance grows. APY includes not only the interest on your initial deposit but also the interest on the growth in your balance, i.e. the interest on the interest you've accumulated.

When you open your account, and you're approved, you can invite another person to be a joint account holder. They can then apply online and add themselves to your CD account

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Disclosures

  1. FDIC insured to the maximum allowed by law.

  2. $1,000 minimum opening deposit up to a maximum of $250,000. 

  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.

  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.

  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.

  6. $500 minimum opening deposit up to a maximum of $250,000.

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

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