Bank · FDIC insured
U.S. Bank CD Rates
U.S. Bank’s best CD rate is 3.25% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 6, 2026.
How U.S. Bank’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where U.S. Bank has the most branches. $10,000, best rate first.
This bank’s best
U.S. Bank
3.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $161
CD Special
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
U.S. Bank CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo0.65%
- 31–60 months31–60 mo0.40%
- QualifiedQualified3.25%
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 U.S. Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Special
Up to 3.25%APY · 3 terms
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 3.25% | 3.25% | 3.25% | 3.25% | 3.25%3.25% $1k–$10k3.25% $50k–$100k3.25% $100k–$250k | $161 |
| 9 months | 3.15% | 3.15% | 3.15% | 3.15% | 3.15%3.15% $1k–$10k3.15% $50k–$100k3.15% $100k–$250k | $235 |
| 12 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $1k–$10k3.00% $50k–$100k3.00% $100k–$250k | $300 |
Sources (1)
- usbank.com/bank-accounts/savin…deposit/cd-specials.html · captured Sep 21, 2026
Step Up CD
Up to 0.65%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 28 monthsStep period 1 (months 1-7) | 0.05% | $12 |
| 28 monthsStep period 2 (months 8-14) | 0.25% | $59 |
| 28 monthsStep period 3 (months 15-21) | 0.45% | $106 |
| 28 monthsStep period 4 (months 22-28) | 0.65% | $153 |
Sources (1)
- usbank.com/bank-accounts/savin…-deposit/step-up-cd.html · captured Oct 6, 2026
Trade Up CD
Up to 0.40%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 0.10% | $25 |
| 60 months | 0.40% | $202 |
Sources (1)
- usbank.com/bank-accounts/savin…deposit/trade-up-cd.html · captured Oct 6, 2026
U.S. Bank Certificates of Deposit
Up to 0.25%APY · 11 terms
| Term | APY · $500 – $5,000 | APY · $5,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 1 month | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $0 |
| 2 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $1 |
| 3 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $1 |
| 6 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $2 |
| 9 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $4 |
| 12 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $5 |
| 18 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $8 |
| 24 months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05%0.05% $500–$5k0.05% $5k–$10k0.05% $25k–$50k0.05% $50k–$100k0.05% $100k–$250k | $10 |
| 36 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$5k0.10% $5k–$10k0.10% $25k–$50k0.10% $50k–$100k0.10% $100k–$250k | $30 |
| 48 months | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15%0.15% $500–$5k0.15% $5k–$10k0.15% $25k–$50k0.15% $50k–$100k0.15% $100k–$250k | $60 |
| 60 months | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25%0.25% $500–$5k0.25% $5k–$10k0.25% $25k–$50k0.25% $50k–$100k0.25% $100k–$250k | $126 |
Sources (1)
- usbank.com/bank-accounts/savin…deposit/standard-cd.html · captured Oct 6, 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.