Bank · FDIC insured
HSBC USA CD Rates
HSBC USA’s best CD rate is 4.40% APY on a 2-year CD. Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How HSBC USA’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where HSBC USA has the most branches. $10,000, best rate first.
This bank’s best
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
New Money Certificate of Deposit (CD)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $457
HSBC USA CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.40%
- QualifiedQualified4.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where HSBC USA ranks
By CD score, in each area where it has branches
- #13 of 140New York-Newark-Jersey City, NY-NJ metro8
- #7 of 108Los Angeles-Long Beach-Anaheim, CA metro3
- #11 of 101Washington-Arlington-Alexandria, DC-VA-MD-WV metro2
- #3 of 65San Francisco-Oakland-Fremont, CA metro2
- #3 of 57Miami-Fort Lauderdale-West Palm Beach, FL metro2
- #2 of 55Seattle-Tacoma-Bellevue, WA metro2
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
New Money Certificate of Deposit (CD)
Up to 4.60%APY · 4 terms
Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0 | 4.10% | $203 |
| 9 monthsMust be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0 | 4.25% | $317 |
| 12 monthsMust be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0 | 4.40% | $440 |
| 24 monthsMust be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0 | 4.60% | $941 |
Sources (2)
- us.hsbc.com/savings-accounts/products/interest-rates
- us.hsbc.com/savings-accounts/p…y-certificate-of-deposit
All captured Oct 15, 2026
Online Certificate of Deposit (CD)
Up to 4.40%APY · 3 terms
Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOnline opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0 | 4.00% | $198 |
| 12 monthsOnline opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0 | 4.30% | $430 |
| 24 monthsOnline opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0 | 4.40% | $899 |
Wealth Center/Telephone Deposit Account CDs
Up to 4.40%APY · 3 terms
Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpened in Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0 | 4.00% | $198 |
| 12 monthsOpened in Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0 | 4.30% | $430 |
| 24 monthsOpened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0 | 4.40% | $899 |
Sources (1)
- us.hsbc.com/savings-accounts/products/interest-rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.