U.S. Bank CD Rates — October 2026
As of October 22, 2026, U.S. Bank's best CD rate for ZIP 45202 (Cincinnati, OH) is 3.50% APY on a 9-month promotional CD ($1,000 minimum). That is 2.5 times the FDIC national average for 6-month CDs (1.39%). The best rate was 3.50% APY in all 3 ZIP codes checked.
Tracking began .
Rates by location
U.S. Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
| Location | ZIP | Best term | Best APY |
|---|---|---|---|
| Cincinnati, OH | 45202 | 9 months | 3.50% |
| Minneapolis, MN | 55402 | 9 months | 3.50% |
| San Francisco, CA | 94105 | 9 months | 3.50% |
U.S. Bank CD rates in San Francisco, CA
Quotes below cover CD Special offers for new CD clients in the ZIP codes checked. Standard, Step Up, Trade Up and personalized existing-client offers are not included.
| Term | Product | APY |
|---|---|---|
| 6 months | CD Special Promotional | 3.25%Verified October 22, 2026 |
| 9 months | CD Special Promotional | 3.50%Verified October 22, 2026 |
| 12 months | CD Special Promotional | 3.40%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Rates that are the same in every ZIP
12 of U.S. Bank's CD rates were identical in all 3 ZIP codes we checked, ranging from 3.25% to 3.50% APY.
What are U.S. Bank's best CD rates by term?
U.S. Bank's best rate for ZIP 94105 is 3.50% APY on 9 months, verified October 22, 2026.
- 6 mo3.25%
- 9 mo3.50%
- 12 mo3.40%
How much interest could a U.S. Bank CD earn?
Estimated interest at maturity for the displayed ZIP 94105 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $80.823.25% APY · CD Special · Promotional | $161.653.25% APY · CD Special · Promotional | $404.113.25% APY · CD Special · Promotional | $808.233.25% APY · CD Special · Promotional |
| 9 months | $130.803.50% APY · CD Special · Promotional | $261.613.50% APY · CD Special · Promotional | $654.023.50% APY · CD Special · Promotional | $1,308.053.50% APY · CD Special · Promotional |
| 12 months | $170.003.40% APY · CD Special · Promotional | $340.003.40% APY · CD Special · Promotional | $850.003.40% APY · CD Special · Promotional | $1,700.003.40% APY · CD Special · Promotional |
How U.S. Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 14 of 26 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| U.S. Bank (this institution)CD Special · Promotional | 9 months | $1,000 | San Francisco, CA · ZIP 94105 | 3.50% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank) (highest tracked APY for this term)Bank CD · Promotional | 9 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| Marcus by Goldman SachsHigh-Yield CD · Standard | 9 months | $500 | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking U.S. Bank on October 22, 2026.
About U.S. Bank
- Legal name
- U.S. Bank National Association
- Regulator ID
- FDIC 6548
- Headquarters
- Cincinnati, OH
- Available in
- AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, TX, UT, WA, WI, WY
- Total assets
- $705.6 billion
- Also known as
- US Bank
- Website
- www.usbank.com
Source: rates read from https://www.usbank.com/bank-accounts/savings-accounts/certificate-of-deposit.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at U.S. Bank?
3.50% APY on a 9-month promotional CD for ZIP 45202, as of October 22, 2026.
What is the minimum deposit for a U.S. Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
Do U.S. Bank CD rates depend on where you live?
Rates may depend on location. The best rate was 3.50% APY in all 3 ZIP codes checked.
How does U.S. Bank's best CD rate compare with Treasury yields?
3.50% APY is −0.98% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.50% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are U.S. Bank CDs insured?
U.S. Bank is an FDIC-insured bank (FDIC 6548). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check U.S. Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from U.S. Bank's website and may change at any time. Confirm terms, minimums and eligibility with U.S. Bank before opening an account. This page is not financial advice.