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CD SPECIAL

Maximize your returns with our most competitive CD rates.

Take advantage of our most competitive CD rates that are guaranteed for the length of your CD term.4

CD Special

Selected

Secure higher returns with our best CD rates. 

CD Special Ladder

Selected

Tailor your savings by spreading your money across multiple CDs. 

Earn your bonus.

Access this special by providing your confirmation code and ZIP code below.

CD Special


With a CD Special, you lock in the best CD rates we offer to the general public. And if you’re already a U.S. Bank client, we may be able to offer you an even better personalized rate. Open your CD Special account with a $1,000 minimum deposit 1 2 3 4

ANNUAL PERCENTAGE YIELD3

Start Saving

Terms and annual percentage yield (APY)

You can deposit between $1,000 and $250,000.4 The APY (annual percentage yield).5 is effective mm/dd/yy for County, State (Change)

Term2
in months		 CD amount APY1

Term2
in months		 APY1

Competitive

This CD offers our most competitive, promotional rates - and great returns.

Guaranteed

After you choose the term length and rate that works best for you, that guaranteed rate will last for the duration of your term.2

FDIC-insured

All U.S. Bank CDs are FDIC-insured to the maximum permitted by law.

How much can you earn?

Enter your opening deposit and term length to see how much you can earn. 1 2 3 4 The APY (annual percentage yield) 5 is effective mm/dd/yy for County, State (Change)

How to build a CD ladder

  • Open your CDs at the same time with varying term lengths.1 2 3 For example, a 15-month CD ladder would include 7-, 11-, and 15-month CDs.

  • When your first CD matures, you have the option to automatically roll the funds into the next CD2 in the ladder or make a withdrawal. If you choose the automatic rollover, the funds will be subject to the terms of that respective CD.

  • With three CDs maturing at different times, you get access to a portion of your funds overtime. Or, choose to keep saving and earn even more.

  • The image above shows an example CD ladder consisting of 7-, 11-, and 15-month CDs where each CD is renewed to continue the CD ladder to maintain the same access to funds

  • The image above shows an example CD ladder consisting of 7-, 11-, and 15-month CDs where each CD is renewed to continue the CD ladder to maintain the same access to funds

Three great reasons to open a CD ladder

  • Control over your savings

    CD laddering spreads your money over multiple CDs with varying terms, providing more control over when you have access to portions of your money.

  • More for your money

    CD laddering allows you to take advantage of higher APY rates by placing your money where it yields the most value.5

  • Guaranteed returns

    CDs are not affected by the stock market, meaning once your CD ladder is funded, your returns are guaranteed.4