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Enter your ZIP code to explore CD rates in your area.

Opening an account online is easy. Start by getting rates based on your ZIP code, then select your term and rate to see how to build your savings.

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New and renewal Standard CD rates

Select a deposit amount to explore CD rates in your area. The Annual Percentage Yield (APY) 4 is effective currentdate for ZIP code currentZipCode. (Edit ZIP code)

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3 great reasons why you should open a CD account

All U.S. Bank CDs, including the CD Special, are FDIC-insured up to $250,000.2

More for your money

CDs offer our most competitive, rates and great returns.

Guaranteed returns

The rate is guaranteed when funds are held for the full length of the term you choose.

FDIC insured

All U.S. Bank CDs, including the CD Special, are FDIC-insured up to $250,000. 2

CD ladders

Make the most of short-term and long-term CDs.

CD laddering lets you access your money sooner while still benefiting from guaranteed returns.

Learn more

More CDs from U.S. Bank

Not sure if a Standard CD account is right for you? Check out our other options.

Get the best CD rates we offer to the public.

Log in to view your personalized rates and apply faster.

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Get locked-in rate increases with a minimum deposit.

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Take advantage of rising rates once per term.

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Other types of available savings accounts

A Bank Smartly account offers competitive rates across all balance levels and easy access to funds.

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A money market account is a great way to earn more interest while having benefits similar to a checking account.

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Disclosures

  1. 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.

  2. FDIC insured to the maximum allowed by law.

  3. $500 minimum opening deposit up to a maximum of $250,000.

  4. 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.

  5. 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.

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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.