U.S. Bank Certificate of Deposit
Cannot determine — product page unavailable at review time.
Cannot determine — product page unavailable at review time.
SwitchWize was unable to retrieve usable product data for this U.S. Bank CD listing. The source URL returned a 404 Not Found error, and no VERIFIED_APY was supplied from SwitchWize's daily rate database. Without authoritative rate or feature data, any competitive analysis would rely on invention rather than fact — something SwitchWize never does. What we can say contextually: the current Fed Funds Rate sits at 3.63%, and the broader CD market has been repricing downward as rate-cut expectations solidify. Top-tier online CD rates in most terms are running meaningfully above the category average at traditional brick-and-mortar banks, which historically includes institutions like U.S. Bank. If you are actively shopping CDs, SwitchWize recommends comparing verified, live rates across all listed institutions before committing, as even a 0.25% difference on a 12-month CD compounds meaningfully at higher deposit levels. Check back once this listing is refreshed with a live page and confirmed rate data.
Confirm the rate and term are still available. Review the early-withdrawal penalty in the fee schedule — it can erase months of interest.
May 2026
SwitchWize Research Desk · methodology
- No monthly maintenance fee
- FDIC insured up to $250,000
Product page was unreachable at time of review. Visit usbank.com and navigate to Savings Accounts & CDs to explore current CD offerings and apply directly.
SwitchWize was unable to retrieve usable product data for this U.S. Bank CD listing. The source URL returned a 404 Not Found error, and no VERIFIED_APY was supplied from SwitchWize's daily rate database. Without authoritative rate or feature data, any competitive analysis would rely on invention rather than fact — something SwitchWize never does. What we can say contextually: the current Fed Funds Rate sits at 3.63%, and the broader CD market has been repricing downward as rate-cut expectations solidify. Top-tier online CD rates in most terms are running meaningfully above the category average at traditional brick-and-mortar banks, which historically includes institutions like U.S. Bank. If you are actively shopping CDs, SwitchWize recommends comparing verified, live rates across all listed institutions before committing, as even a 0.25% difference on a 12-month CD compounds meaningfully at higher deposit levels. Check back once this listing is refreshed with a live page and confirmed rate data.
What happens if I withdraw from a CD early?
Most CDs charge an early-withdrawal penalty — typically 60 to 150 days of interest depending on the term. Breaking a 12-month CD at month 3 with a 90-day penalty can reduce your effective yield to near zero. Always read the fee schedule before opening.
Is a CD FDIC insured?
Yes. Certificates of deposit at FDIC-member banks are insured up to $250,000 per depositor. The fixed rate and FDIC coverage make CDs one of the safest places to hold cash you can afford to leave untouched for the full term.
What is a CD ladder?
A CD ladder splits your savings across multiple CDs with staggered maturities — for example, 3-month, 6-month, and 12-month terms. As each CD matures, you reinvest at the current rate, giving you the higher rates of longer terms and regular access to a portion of your cash.
Can the CD rate change after I open it?
No. The APY on a standard CD is locked at the opening rate for the full term. This is the main advantage over a high-yield savings account: you know exactly what you will earn, regardless of future Fed rate cuts.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.