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Save more money with our promotional CD rates.

Opening an account online is easy. Enter your ZIP code for rates, then select your deposit range and term length to get started.
 

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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

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CHOOSE YOUR ANNUAL PERCENTAGE YIELD 5

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3 great reasons to get a U.S. Bank CD Special

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 when funds are held for the full length of the term you choose.

FDIC insured

As with all our CDs, the CD Special is FDIC-insured up to $250,000 1

CD ladders

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

Common questions about U.S. Bank CD Specials

Like most certificates of deposits, CD Special accounts automatically renew at maturity at the current rate for a Standard CD that's closest to, but not exceeding, the previous term length of your CD. This rate may be higher or lower than the original rate. We mail renewal notices 14 days prior to the account's maturity date. You will then be able to either keep the CD at the new rate, withdraw funds, or renew into a different CD term and rate.

There is a penalty for early withdrawal on a CD from U.S. Bank. The penalty is usually based on the account balance, APY5 and interest rate. Please call 800-USBANKS to speak with a representative to learn the exact penalty for your account.

Yes, CD Special account balances are included in the Combined Qualify Balance (CQB)6 that determines the interest rate bump on U.S. Bank Smartly® Savings or U.S. Bank Smartly Checking accounts. Please see our current Consumer Pricing Information for more details.

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Disclosures

  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.

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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.