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U.S. Bank CD Rates for December 2022

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U.S. Bank offers leading CD rates among its brick-and-mortar competitors with low deposit requirements and an array of terms. But U.S. Bank CD rates don't compare to what's available from most online banks, which is par for the course with national banks. Below is a review of U.S. Bank CD rates, who they are right for, and how U.S. Bank compares to its competitors.

U.S. Bank CD rates for December 2022

U.S. Bank Standard CD
  • 1 Year APY: 0.05%
  • 2 Year APY: 0.05%
  • 3 Year APY: 0.10%
  • 4 Year APY: 0.15%
  • 5 Year APY: 0.25%
Rates as of Nov. 28, 2022
U.S. Bank Standard CD
1 Year
2 Year
3 Year
4 Year
5 Year

Compare U.S. Bank CD rates

U.S. Bank CD interest rates can't compete with the best CDs available from popular online banks. Compare CD rates below to if you're seeking the highest rates offered with online-only banks.

Rates as of Nov. 28, 2022
1 yr. apy
2 yr. apy
3 yr. apy
4 yr. apy
5 yr. apy
Min. deposit
Early Withdrawal Penalty
Next Steps
Logo for CIT Bank CD
Member, FDIC
Logo for Discover High Yield CD
Member, FDIC
Logo for Marcus by Goldman Sachs High Yield CD
Member, FDIC
Marcus by Goldman Sachs High Yield CD

U.S. Bank CD review

The U.S. Bank Standard CDs is above-average on many fronts, including rates offered. These CDs are a good for for customers looking for a no-frills, but useful CD, to expand their banking relationship with U.S. Bank.

U.S. Bank Standard CD


  • Low minimum deposit requirement
  • High APY for a big bank


  • Other CD products require a larger deposit

U.S. Bank Standard CD comes with terms ranging from one month to five years. Taking advantage of these CD interest rates only requires a $500 deposit. All U.S. Bank CDs are FDIC-insured and offer guaranteed savings. Another factor to keep in mind when investing in a standard CD: U.S. Bank CD interest rates may be higher for other CD products, depending on where you live. However, these often require a larger deposit as well.

RELATED: Need a savings account? Check out The Ascent's guide to the best savings accounts.

Other U.S. Bank CD accounts

If you’re interested in investigating U.S. Bank CD interest rates further, look at their other CD accounts:

  • Step Up CDs
  • Trade Up CDs


  • A U.S. Bank CD is good for current U.S. Bank customers who prefer keeping all of their bank accounts in one spot rather than chasing higher CD rates.

  • A U.S. Bank CD provides guaranteed returns, although lower than you may find at an online bank. If you already have accounts at U.S. Bank, though, opening a CD gives you another savings option at the same bank.

  • U.S. Bank CDs are great for current U.S. Bank customers who want to keep all of their accounts in one spot. Higher rates are available at some other online banks with CDs.

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