Institution Type

Direct Lender

Marketplace Lending Platform

Other Institution

Broker

Nonbank Financial Service Provider

Financial Technology Company

Bank

Credit Union

Community Bank

Bank Partnership

About

Business Hours (PST) - Monday

Business Hours (PST) - Tuesday

Business Hours (PST) - Wednesday

Business Hours (PST) - Thursday

Business Hours (PST) - Friday

Business Hours (PST) - Saturday

Business Hours (PST) - Sunday

NMLS #

Annual Revenue

FDIC Insured

Key People

Number of Employees

Time Zone

New York (Eastern Time)

Chicago (Central Time)

Denver (Mountain Time)

Phoenix (Mountain Time no DST)

Los Angeles (Pacific Time)

Anchorage (Alaska Time)

Honolulu (Hawaii-Aleutian Time)

London (Greenwich Mean Time)

Berlin (Central European Time)

Moscow (Moscow Time)

Shanghai (China Time)

Manila (Philippine time)

Generic Contact Email

FDIC Certificate Number

SIPC Insured

Deposit Insurance

Member FDIC

Member SIPC

Insured by NCUA

Annual Fee

No Early Withdrawal Fee

States Offered

WV - West Virginia

WY - Wyoming

GU - Guam

AS - American Samoa

MP - Northern Mariana Islands

PR - Puerto Rico

VI - United States Virgin Islands

AK - Alaska

AL - Alabama

AR - Arkansas

AZ - Arizona

CA - California

CO - Colorado

CT - Connecticut

DC - Washington, DC

DE - Delaware

FL - Florida

GA - Georgia

HI - Hawaii

IA - Iowa

ID - Idaho

IL - Illinois

IN - Indiana

KS - Kansas

KY - Kentucky

LA - Louisiana

MA - Massachusetts

MD - Maryland

ME - Maine

MI - Michigan

MN - Minnesota

MO - Missouri

MS - Mississippi

MT - Montana

NC - North Carolina

ND - North Dakota

NE - Nebraska

NH - New Hampshire

NJ - New Jersey

NM - New Mexico

NV - Nevada

NY - New York

OH - Ohio

OK - Oklahoma

OR - Oregon

PA - Pennsylvania

RI - Rhode Island

SC - South Carolina

SD - South Dakota

TN - Tennessee

TX - Texas

UT - Utah

VA - Virginia

VT - Vermont

WA - Washington

WI - Wisconsin

CD Accounts

Variable Rate

Adjustable Rate

Traditional

Bump Up

Liquid

Jumbo

Callable

Foreign Currency

APY (Annual Percentage Yield)

3-Month APY

6-Month APY

12-Month APY

18-Month APY

2-Year APY

3-Year APY

4-Year APY

5-Year APY

10-year APY

Certificate Term

3 months

6 months

12 months

2 years

3 years

4 years

5 years

17 months

20 months

7 months

23 months

10 months

5 months

182 days

4 Months

2 months

14 Months

11 months

18 months

1 month

9 months

13 months

15 months

16 months

7 years

28 months

42 months

30 months

19 months

39 months

58 months

37 months

59 months

10 years

25 months

31 months

43 months

49 months

55 months

61 months

6 years

27 months

Minimum Opening Deposit

U.S. Bank was founded in 1863 and is based in Minneapolis, MN.

Learn more about U.S. Bank and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with U.S. Bank.

Disclaimer

The opening deposit is a little high but can be typical for some, and the APY is much higher for being an online account. I would recommend investing in other options before investing in this one.   

The Special CD Accounts may require a higher minimum deposit than other CD accounts offered by US Bank, but they also offer higher interest rates. Some of the features of US Bank's Special CD Accounts may include:

Automatic renewal at maturity
The ability to choose the term length that best fits your savings goals
Competitive interest rates
FDIC insurance up to the maximum allowed by law
It's important to note that early withdrawal of funds from a CD account may result in penalties, so be sure to carefully consider your savings goals and the terms of the account before opening one.

Overall, US Bank's Special CD Accounts may be a good option for those looking to earn higher interest rates on their savings while still maintaining the security of FDIC insurance. However, it's always a good idea to compare rates and terms across different banks and financial institutions to find the best option for your specific needs.







The U.S. Bank Standard CDs is above-average on many fronts, including rates offered. These CDs are a good for for customers looking for a no-frills, but useful CD, to expand their banking relationship with U.S. Bank.

I'm incredibly pleased with the U.S. Bank CD Special offered by U.S. Bank. As a bank founded in 1863 and available in all 50 states plus Washington, D.C., they know what they're doing when it comes to managing finances. The CD account has an extremely high annual percentage yield (APY) of up to 4.30% which is much higher than the national average for CDs, making it an attractive investment opportunity for those seeking long-term savings solutions. Plus, their $1,000 minimum deposit requirement is fairly typical and allows anyone to get started on their CD laddering journey for potentially better returns over time. I highly recommend the U.S. Bank CD Special for any savers out there looking for solid investments!

I love discover accounts, they are chasing, easy to open and an all around good experience. I highly recommend getting an account with this company

Overall, a CD can be a good option for those who are looking for a safe, low-risk investment with a guaranteed return. U.S Bank personally was a great CD option for me because it offered flexibility and I was able to acquire a great deal in savings through this account.

Secure your savings with the best CD accounts. Compare top-rated certificates of deposit offering competitive rates and terms to help your money grow safely.

Best CD Accounts for <span class="desktop-bold">August 2026</span>

 U.S. Bank are offered by , founded in 1863 and based in Minneapolis, MN. U.S. Bank are available in states.

U.S. Bank   are   offered   by ,        founded in 1863 and based in Minneapolis, MN.    U.S. Bank     are     available in      states.

 No, your CD accounts are not insured by a federal insurance agency. This means that if were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF. 

No, your  CD accounts are not insured by a federal insurance agency. This means that if  were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

 U.S. Bank does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.

U.S. Bank does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the  grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does charge?

What types of fees, such as early withdrawal penalties, does  charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends. 

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