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Trade Up CD Accounts

Trade Up Your Certificate of Deposit Interest Rates

Wish you could save in a long-term CD (Certificate of Deposit) but have the flexibility to adapt to a rising interest rate environment and earn a higher interest rate? Now you can with the U.S. Bank Trade Up CD. This 30-month or 60-month CD gives you the option to unlock your current interest rate – and lock in a higher rate once during its initial term.

  • Allows greater flexibility over your investment

  • Diversifies overall risk in your portfolio

  • Provides the security of FDIC insurance1

  • Requires a minimum deposit of $1,000 to open

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  1. FDIC insured to the maximum allowed by law.

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Deposit products offered by U.S. Bank National Association. Member FDIC.


Option to trade up one time only during the initial term requires you to visit a U.S. Bank branch to redeem before the maturity date. Rate change option is based on the published rate for the closest standard term that is equal to or less than the remaining term of the original CD. It may take up to 10 days for rate change to become effective, Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily. All interest payments for the APY will be credited at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Advertised rate and APY are offered at the bank’s discretion and may change daily. Fees could reduce earning on the account. $1,000 minimum opening deposit up to a maximum of $249,999.99. Rates apply to the initial term only. The CD is automatically renewed into a Standard CD closest to without exceeding the non-standard term at maturity. 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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