Bank · FDIC insured
U.S. Bank Savings Rates
U.S. Bank’s best savings rate is 0.01% APY on $10,000, with its U.S. Bank Elite Money Market. Rates checked October 16, 2026.
How U.S. Bank’s savings 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
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
U.S. Bank Smartly Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
U.S. Bank savings score
75
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0003.40%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
U.S. Bank Elite Money Market
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.01% | — |
| $10,000 – $25,000 | 0.01% | $1 |
| $25,000 – $50,000 | 3.40% | — |
| $50,000 – $100,000 | 3.40% | — |
| $100,000 – $500,000 | 3.40% | — |
| $500,000 – $10,000,000,000 | 3.40% | — |
Sources (1)
- usbank.com/bank-accounts/savin…/elite-money-market.html · captured Oct 6, 2026
Special-purpose accounts
Bank Smartly Savings
Up to 2.00%APY
Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Relationship rate for CQB Under $5,000. Requires qualifying relationship product. | 1.00% | — | Relationship rate for CQB Under $5,000. Requires qualifying relationship product. |
| Any balanceStandard interest rate and APY across all balance levels without qualifying relationship product. | 0.05% | $5 | Standard interest rate and APY across all balance levels without qualifying relationship product. |
| $5,000 – $25,000Relationship rate for CQB $5,000 to $24,999.99. Requires qualifying relationship product. | 2.00% | $200 | Relationship rate for CQB $5,000 to $24,999.99. Requires qualifying relationship product. |
| $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. Requires qualifying relationship product. | 3.50% | — | Relationship rate for CQB $25,000 to $49,999.99. Requires qualifying relationship product. |
| $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. Requires qualifying relationship product. | 3.50% | — | Relationship rate for CQB $50,000 to $99,999.99. Requires qualifying relationship product. |
| $100,000 and upRelationship rate for CQB $100,000 and above. Requires qualifying relationship product. | 3.50% | — | Relationship rate for CQB $100,000 and above. Requires qualifying relationship product. |
U.S. Bank Smartly Savings
Up to 2.00%APY
Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). | 1.00% | — | Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). |
| Up to $99,999,999,999Standard rate for any balance without relationship rate qualification. | 0.05% | $5 | Standard rate for any balance without relationship rate qualification. |
| $5,000 – $25,000Relationship rate for Combined Qualifying Balance (CQB) of $5,000 to $24,999.99. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). | 2.00% | $200 | Relationship rate for Combined Qualifying Balance (CQB) of $5,000 to $24,999.99. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). |
| $25,000 – $50,000Relationship rate for Combined Qualifying Balance (CQB) of $25,000 to $49,999.99. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). | 3.50% | — | Relationship rate for Combined Qualifying Balance (CQB) of $25,000 to $49,999.99. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). |
| $50,000 – $100,000Relationship rate for Combined Qualifying Balance (CQB) of $50,000 to $99,999.99. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). | 3.50% | — | Relationship rate for Combined Qualifying Balance (CQB) of $50,000 to $99,999.99. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). |
| $100,000 – $99,999,999,999Relationship rate for Combined Qualifying Balance (CQB) of $100,000 and above. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). | 3.50% | — | Relationship rate for Combined Qualifying Balance (CQB) of $100,000 and above. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card). |
Sources (2)
- usbank.com/bank-accounts/savin…ank-smartly-savings.html
- usbank.com/bank-accounts/savin…ount-interest-rates.html
All 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.