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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



Standard CD

Enjoy flexible terms and a lower minimum deposit of only $500. 6


% for 1 3 4

See other term lengths

Step Up CD

Get locked-in rate increases with a $1,000 minimum deposit. 2


Rates increase


Every seven months for 28 months134

See interest rates

Trade Up CD

Take advantage of rising rates once per term. The Trade Up CD has a $1,000 minimum deposit. 2


%for  134

See other term lengths

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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.

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, our Financial IQ provides 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.

Three tips for saving money easily

Make building wealth a part of your regular routine. Check out these three tips.

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?

Frequently asked questions

Start of disclosure content


  1. FDIC insured to the maximum allowed by law.

  2. $1,000 minimum opening deposit up to a maximum of $250,000. 

  3. 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.

  4. 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.

  5. 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.

  6. $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.