Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
Minimum Opening Deposit
Certificate Term
US Bank Step Up CD Review
Key Takeaways
- Only one CD type available. US Bank Step Up CD only offers bump up CD accounts.
- Low APY. The maximum annual percentage yield for this account is only 0.65%.
- $1,000 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
- Limited selection of CD terms. US Bank Step Up CD only offers one CD term. This limits your options when trying to set up a CD ladder.
Pros & Cons of US Bank Step Up CD
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US Bank Step Up CD FAQ
Are CD from U.S. Bank federally insured?
What types of CDs does U.S. Bank offer?
US Bank Step Up CD provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
- Bump-up CDs. Bump-up CDs allow you to increase the interest rate you earn on your savings if the going interest rates rise. These CDs are useful in a changing interest rate environment.
What rates does U.S. Bank offer on its CDs?
What terms does US Bank Step Up CD offer?
U.S. Bank offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term | 28 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% - 0.65% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with U.S. Bank?
What is the grace period for US Bank Step Up CD?
What types of fees, such as early withdrawal penalties, does U.S. Bank charge?
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