Lock in a higher rate one time during your initial term.
Saving is simple with competitive rates. Apply individually or jointly.
Trade Up CD
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One-time rate increase
If a higher rate comes along during the term of your CD, you can trade up for it.1
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Flexibility
Choose between a 30-month and 60-month term. -
FDIC-insured
All U.S. Bank CDs are FDIC-insured to the maximum permitted by law.
How much can you earn?
Simply choose your CD, your opening deposit and your term length. We’ll do the calculating. Annual percentage yield (APY) and interest rates effective mm/dd/yy for County, State (Change)
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Return to content, Footnote 1
Option to trade up one time only during the initial term requires you to call at 800.890.2233 to redeem before the maturity date. Rate change option is based on the published rate for the closest standard term that is equal to or less than the remaining term of the original CD. It may take up to ten days for rate change to become effective.
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$1,000 minimum opening deposit up to a maximum of $250,000.
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Return to content, Footnote 3
Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.
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Return to content, Footnote 4
Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
U.S. Bank