US Bank Savings Rate Audit
A major regional bank. Standard savings pays 0.05% APY. The best high-yield savings accounts pay 4.20% APY — a 4.15% point gap that costs real money every year.
US Bank's rate is not currently in SwitchWize's live-tracked set — the 0.05% APY shown is an estimate. Confirm the current rate directly with US Bank before relying on it.
Annual Cost of Staying at US Bank
| Balance | US Bank Earns | Best HYSA Earns | You Lose |
|---|---|---|---|
| $10,000 | $5 | $420 | $415/yr |
| $25,000 | $13 | $1,050 | $1,037/yr |
| $50,000 | $25 | $2,100 | $2,075/yr |
| $100,000 | $50 | $4,200 | $4,150/yr |
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Open Rate Gap Calculator →Frequently Asked Questions
What APY does US Bank pay on savings?
US Bank is not in SwitchWize's live rate-tracking set yet; 0.05% APY is an estimate, not a verified current rate. Confirm directly with US Bank before relying on this figure. The best available high-yield savings rates pay 4.20% APY.
How much am I losing at US Bank?
Using the estimated 0.05% APY, the gap to the best HYSA (4.20%) would cost roughly $1,038 per year on a $25,000 balance — treat this as indicative until the exact current rate is confirmed.