What are the current interest rates at HSBC Bank USA?

Current rates for HSBC Bank USA include: 12-Month CD: 3.80%, 24-Month CD: 3.95%, Savings: 0.01%

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HSBC Bank USA Rates & Review September 2026

Q: How many branches does HSBC Bank USA operate?

HSBC Bank USA currently maintains approximately 41 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, HSBC Bank USA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HSBC Bank USA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 31, 2026

HSBC Bank USA's 12-Months New Money CD 12-Month rates are at 3.95%, 24-Months 24-Month Online CD rates are at 3.95%, 9-Months New Money CD 9-Month rates are at 3.85%, 6-Months New Money CD 6-Month rates are at 3.80%, 12-Months 12-Month Online CD rates are at 3.80%. HSBC Bank USA's savings rates are at 0.01%. HSBC Bank USA's 15 Year Fixed Rate rates are at 6.12%, 5/6 ARM rates are at 5.87%, HSBC Deluxe Mortgage 5/6 ARM rates are at 5.87%, Our latest HSBC Deluxe Mortgage rates - 5/6 ARM Mortgage rates are at 5.87%, 15 Year Fixed Rate rates are at 6.25%. MonitorBankRates evaluates the financial stability of HSBC Bank USA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.87%. Rates last updated and verified on 08/31/2026.

HSBC Bank USA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at HSBC Bank USA? Share your experience about HSBC Bank USA by leaving a review below, or read customer reviews before you decide to use HSBC Bank USA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HSBC Bank USA, National Association

1800 Tysons Blvd
Tysons, VA 22102

https://www.us.hsbc.com

HSBC Bank USA CD Rates

Product	Rate	APY	Term
New Money CD 12 month	-	3.95%	12 months
Min Deposit $1,000 Details Exclusively for Premier clients. New Money is determined at HSBC's discretion. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
24 month Online CD	-	3.95%	24 months
Min Deposit $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New Money CD 9 month	-	3.85%	9 months
Min Deposit $1,000 Details Exclusively for Premier clients. New Money is determined at HSBC's discretion. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New Money CD 6 month	-	3.80%	6 months
Min Deposit $1,000 Details Exclusively for Premier clients. New Money is determined at HSBC's discretion. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
12 month Online CD	-	3.80%	12 months
Min Deposit $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
6 month Online CD	-	3.65%	6 months
Min Deposit $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

HSBC Bank USA Savings Rates

Product	Rate	APY
Premier Savings	-	0.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Annual Percentage Yields (APYs) are variable and subject to change after opening. Charges and fees may reduce earnings. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Premier Savings	-	0.10%
Min Balance $25,000 Details Annual Percentage Yields (APYs) are variable and subject to change after opening. Charges and fees may reduce earnings. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Premier Savings	-	0.01%
Min Balance $0 Details Annual Percentage Yields (APYs) are variable and subject to change after opening. Charges and fees may reduce earnings. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

HSBC Bank USA Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.13%	-	6.26%	15 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
5/6 ARM	5.87%	-	6.38%	5/6 ARM
Details Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
HSBC Deluxe Mortgage 5/6 ARM	5.87%	-	6.38%	5/6 ARM
Details Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Our latest HSBC Deluxe Mortgage rates - 5/6 ARM Mortgage	5.87%	-	6.38%	5/6
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
15 Year Fixed Rate	6.25%	-	6.40%	15 years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
7/6 ARM	6.16%	-	6.43%	7/6 ARM
Details Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
HSBC Deluxe Mortgage 7/6 ARM	6.16%	-	6.43%	7/6 ARM
Details Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Our latest HSBC Deluxe Mortgage rates - 7/6 ARM Mortgage	6.16%	-	6.43%	7/6
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Our latest HSBC Deluxe Mortgagerates - 10/6 ARM Mortgage	6.37%	-	6.51%	10/6 ARM
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
10/6 ARM	6.47%	-	6.58%	10/6 ARM
Details Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
HSBC Deluxe Mortgage 10/6 ARM	6.47%	-	6.58%	10/6 ARM
Details Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Our latest HSBC Deluxe Mortgage rates - 10/6 ARM Mortgage	6.47%	-	6.58%	10/6
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
30 Year Fixed Rate	7.00%	-	7.07%	30 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
30 Year Fixed Rate	7.00%	-	7.15%	30 years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
30 Year Fixed Rate	7.12%	-	7.17%	30 Years
Details Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
HSBC Deluxe Mortgage 30 Year Fixed Rate	7.12%	-	7.17%	30 Year Fixed
Details Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

HSBC Bank USA’s Texas Ratio rose from 3.89% in Q3 2023 to 4.87% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$173.1B	4.87%	5.0	A+
March 31, 2026	$167.7B	4.84%	5.0	A+
December 31, 2025	$165.3B	4.55%	5.0	A+
September 30, 2025	$162.2B	5.01%	5.0	A+
June 30, 2025	$169.8B	5.97%	5.0	A+
March 31, 2025	$166.2B	5.63%	5.0	A+
December 31, 2024	$164.8B	4.61%	5.0	A+
September 30, 2024	$163.2B	5.04%	5.0	A+
June 30, 2024	$159.0B	5.08%	5.0	A+
March 31, 2024	$163.1B	5.28%	5.0	A+
December 31, 2023	$165.2B	5.20%	5.0	A+
September 30, 2023	$161.3B	3.89%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for HSBC Bank USA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather HSBC Bank USA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with HSBC Bank USA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name HSBC Bank USA

Bank Holding Company HSBC HOLDINGS PLC

Address 1800 Tysons Blvd, Tysons, VA 22102 · Fairfax

Website https://www.us.hsbc.com

FDIC Certificate # 57890

Established 20040701

FDIC Insurance Date 20040701

Domestic Offices 22

Total Branches 41

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9752%

Return on Equity (ROE) 10.0200%

Non-Performing Loans (NPL) 0.46%

Total Assets $173,101,278,000

Total Deposits $141,192,598,000

Equity Capital $16,602,261,000

Net Income $822,541,000

Headquarters Tysons

Total Branches and Offices 41

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

HSBC Bank USA earned the Verified Healthy badge

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Frequently Asked Questions About HSBC Bank USA

How many branches does HSBC Bank USA operate?

HSBC Bank USA currently maintains approximately 41 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, HSBC Bank USA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, HSBC Bank USA provides members with tools to manage their accounts and build a solid financial history.

Does HSBC Bank USA offer online and mobile banking?

Most modern institutions like HSBC Bank USA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.us.hsbc.com.