U.S. Bank 1-year business CD rate
U.S. Bank pays 0.05% APY on its 1-year business CD, as of November 9, 2026. That is below the median of 3.60% across the 27 banks we track for this term, and ranks 26th of 27. You need $500 to open it. Conditions apply, listed below.
APY
0.05%
Checked November 9, 2026
Open with
$500
Up to $250,000
Take it out early
Not published
What $10,000 would earn
If you open this CD with $10,000 and leave it for 1 year, it would earn about $5. That is our estimate from the stated APY. The bank's own interest schedule decides the exact amount.
How this CD works
- Rate
- 0.05% APY
- Term
- 1 year
- Minimum to open
- $500
- Maximum deposit
- $250,000
- Early withdrawal
- Not published
- Interest
- Not published
- Rate type
- Not published
- At the end of the term
- Not published
- Adding money later
- Not published
- How to open
- Not published
- Deposit insurance
- Insured by the FDIC
- Rates depend on your ZIP code. These are the rates the bank's page shows before a ZIP code is entered.
Other 1-year business CDs
| Bank | APY | Open with |
|---|---|---|
| EagleBank | 4.80% | $1,000 |
| Live Oak Bank | 4.50% | $2,500 |
| State Bank of Texas | 4.45% | $100,000 |
| Prime Alliance Bank | 4.35% | $500 |
| Flagstar Bank | 4.30% | $500 |
| Amegy Bank | 4.26% | $1,000 |
Other U.S. Bank business CD terms
Common questions
What is the U.S. Bank 1-year business CD rate?
0.05% APY as of November 9, 2026, read from the bank's own page. Rates on new CDs can change without notice.
How much do I need to open the U.S. Bank 1-year business CD?
$500, and the most you can deposit is $250,000.
How much would $10,000 earn in this CD?
About $5 over 1 year if it stays to the end of the term. This is our estimate from the stated APY, not a figure from the bank.
What happens if I take the money out early?
The bank does not publish its early withdrawal rule on the page we read. Ask before you open one.
Check these before you open
- Confirm today's rate with the bank. Rates change without notice.
- Make sure your type of business can open one.
- Write down the maturity date and the days you get to withdraw without a penalty.
- Read the bank's account agreement.
Where this comes from
Each fact was copied from the bank's own page. Where the bank allows it, we check it against the page again on a schedule. We are not paid to rank a bank higher. See our methodology.