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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
JUST FOR YOU
STARTING AT
4.55%
APY for 7 months
3.80%
APY for 11 months
3.55%
APY for 15 months
Rates vary by term and location. 12345
Check yours below before opening an account.
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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We're sorry. Rate information is not available for that ZIP code.
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
Please select a rate and term length.
For deposits over $250,000, visit your nearest branch. Find a branch. 
Schedule an Appointment
CHOOSE YOUR ANNUAL PERCENTAGE YIELD5
Open account Learn more
Standard CD
Enjoy flexible terms and a lower minimum deposit of only $500.6
ANNUAL PERCENTAGE YIELD5
% 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 YIELD5
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 YIELD5
%for 134
See other term lengths
Open account Learn more
Already bank with us? Log in to view your personalized rates and apply faster.
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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 currentdate for ZIP code currentZipCode. (Edit ZIP code)
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, ourFinancial IQprovides 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 length4 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.
Ready to get started?
Start of disclosure content
Footnote
Return to content, Footnote
Disclosures
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FDIC insured to the maximum allowed by law.
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$1,000 minimum opening deposit up to a maximum of $250,000.
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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.
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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.
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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.
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$500 minimum opening deposit up to a maximum of $250,000.
Start of disclosure content
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.
