What are the current interest rates at HSBC Trust Company (Delaware)?

Current rates for HSBC Trust Company (Delaware) include: 12-Month CD: 4.30%, 24-Month CD: 4.40%, Savings: 3.10%

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HSBC Trust Company (Delaware)

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HSBC Trust Company (Delaware) Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HSBC Trust Company (Delaware) 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: October 12, 2026

HSBC Trust Company (Delaware)'s top rates as of October 12, 2026 are 4.45% APY on its 24-Month CD, 3.10% APY on savings, 0.01% APY on checking, and 6.584% on its HSBC Deluxe Mortgage - 5/6 ARM, according to rates verified by MonitorBankRates. Other HSBC Trust Company (Delaware) CD rates include 24-Months 24-Month New Money CD at 4.45%, 24-Month CD at 4.40%, and 24-Months 24-Month Online CD at 4.40%. Other HSBC Trust Company (Delaware) mortgage rates include HSBC Deluxe Mortgage - 7/6 ARM at 6.932%, HSBC Deluxe Mortgage - 10/6 ARM at 7.034%, and HSBC Deluxe Mortgage - 10/6 ARM at 7.134%. MonitorBankRates evaluates the financial stability of HSBC Trust Company (Delaware) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/12/2026.

HSBC Trust Company (Delaware) 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 Trust Company (Delaware)? Share your experience about HSBC Trust Company (Delaware) by leaving a review below, or read customer reviews before you decide to use HSBC Trust Company (Delaware).

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HSBC Trust Company (Delaware), National Association

300 Delaware Ave Ste 1401
Wilmington, DE 19801

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

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

HSBC Trust Company (Delaware) CD Rates

Product	Rate	APY	Term
24 Month CD	-	4.45%	24 Month
Min Deposit $1,000 Min Balance $0 Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40% Oct 12, 20264.45%▲ from 4.40% Sep 28, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month New Money CD	-	4.45%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion. Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month CD	-	4.40%	24 Month
Min Deposit $1,000 Min Balance $0 Details Only available to existing Premier customers. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 4.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Online CD	-	4.40%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 4.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month CD	-	4.35%	12 Month
Min Deposit $1,000 Min Balance $0 Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30% Oct 12, 20264.35%▲ from 4.30% Sep 28, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month New Money CD	-	4.35%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion. Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month CD	-	4.30%	12 Month
Min Deposit $1,000 Min Balance $0 Details Only available to existing Premier customers. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Online CD	-	4.30%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
9 Month CD	-	4.20%	9 Month
Min Deposit $1,000 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
9 Month New Money CD	-	4.20%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion. Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month CD	-	4.05%	6 Month
Min Deposit $1,000 Min Balance $0 Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00% Oct 12, 20264.05%▲ from 4.00% Sep 28, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month New Money CD	-	4.05%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion. Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month CD	-	4.00%	6 Month
Min Deposit $1,000 Min Balance $0 Details Only available to existing Premier customers. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Online CD	-	4.00%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

HSBC Trust Company (Delaware) Savings Rates

Product	Rate	APY
Premier Relationship Savings	-	3.10%
Min Balance $1 Details Balance: $1+; RELATIONSHIP: 3.10% APY Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 3, 20263.10%▲ from 3.00% Sep 28, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Premier Savings	-	0.15%
Min Balance $100,000 Details Balance: $100,000 - $250,000 or more Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Premier Savings	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advance Savings	-	0.05%
Min Balance $15,000 Details Balance: $15,000 - $75,000 or more Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Premier Relationship Savings	-	0.05%
Min Balance $1 Details Balance: $1+; STANDARD: 0.05% APY Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advance Savings	-	0.01%
Min Balance $0 Details Balance: $0 - $14,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Everyday Savings	-	0.01%
Min Balance $1 Details Balance: $1+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Premier Savings	-	0.01%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

HSBC Trust Company (Delaware) Checking Rates

Product	Rate	APY	View More
Advance Checking	-	0.01%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

HSBC Trust Company (Delaware) Mortgage Rates

Product	Rate	Points	APR	Term
HSBC Deluxe Mortgage - 5/6 ARM	6.584%	-	6.809%	5/6 ARM
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 24, 2026 · 6.71% → 6.81% ▲ 0.10 pts · high 6.81% / low 6.71% Oct 12, 20266.81%▲ from 6.73% Oct 3, 20266.73%▲ from 6.71% Sep 24, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
HSBC Deluxe Mortgage - 7/6 ARM	6.932%	-	6.958%	7/6 ARM
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 24, 2026 · 6.86% → 6.96% ▲ 0.10 pts · high 6.96% / low 6.86% Oct 12, 20266.96%▲ from 6.92% Oct 3, 20266.92%▲ from 6.86% Sep 24, 20266.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
HSBC Deluxe Mortgage - 10/6 ARM	7.034%	-	7.036%	10/6 ARM
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 24, 2026 · 6.92% → 7.04% ▲ 0.11 pts · high 7.08% / low 6.92% Oct 12, 20267.04%▼ from 7.08% Oct 8, 20267.08%▲ from 7.00% Oct 3, 20267.00%▲ from 6.92% Sep 24, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
HSBC Deluxe Mortgage - 10/6 ARM	7.134%	-	7.104%	10/6 ARM
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 24, 2026 · 6.92% → 7.10% ▲ 0.18 pts · high 7.10% / low 6.92% Oct 12, 20267.10%▲ from 7.08% Oct 8, 20267.08%▲ from 7.00% Oct 3, 20267.00%▲ from 6.92% Sep 24, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
15 Year Fixed Rate	7.00%	-	7.116%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 7.13% → 7.12% ▼ 0.01 pts · high 7.13% / low 7.12% Oct 12, 20267.12%▼ from 7.13% Oct 8, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
15 Year Fixed Rate Mortgage	7.25%	-	7.367%	15 years
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.89% → 7.37% ▲ 0.48 pts · high 7.37% / low 6.89% Oct 12, 20267.37%▼ from 7.37% Oct 8, 20267.37%▲ from 7.26% Oct 3, 20267.26%▲ from 7.14% Sep 28, 20267.14%▼ from 7.14% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Year Fixed Rate Mortgage	7.75%	-	7.893%	30 years
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.56% → 7.89% ▲ 0.34 pts · high 7.96% / low 7.56% Oct 12, 20267.89%▼ from 7.96% Oct 8, 20267.96%▲ from 7.87% Oct 3, 20267.87%▼ from 7.90% Sep 28, 20267.90%▲ from 7.76% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Year Fixed Rate	7.838%	-	7.898%	30 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
HSBC Deluxe Mortgage - 30 Year Fixed Rate	7.838%	-	7.898%	30 Year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 7.96% → 7.90% ▼ 0.06 pts · high 7.96% / low 7.90% Oct 12, 20267.90%▼ from 7.96% Oct 8, 20267.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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 Trust Company (Delaware)’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% 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 — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$57M	0.00%	5.0	A+
March 31, 2026	$57M	0.00%	5.0	A+
December 31, 2025	$56M	0.00%	5.0	A+
September 30, 2025	$57M	0.00%	5.0	A+
June 30, 2025	$57M	0.00%	5.0	A+
March 31, 2025	$57M	0.00%	5.0	A+
December 31, 2024	$56M	0.00%	5.0	A+
September 30, 2024	$59M	0.00%	5.0	A+
June 30, 2024	$58M	0.00%	5.0	A+
March 31, 2024	$58M	0.00%	5.0	A+
December 31, 2023	$58M	0.00%	5.0	A+
September 30, 2023	$57M	0.00%	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 Trust Company (Delaware) 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 Trust Company (Delaware) 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 Trust Company (Delaware)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name HSBC Trust Company (Delaware)

Bank Holding Company HSBC HOLDINGS PLC

Address 300 Delaware Ave Ste 1401, Wilmington, DE 19801 · New Castle

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

FDIC Certificate # 58188

Established 20050701

FDIC Insurance Date 20061124

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 4.5639%

Return on Equity (ROE) 4.6700%

Non-Performing Loans (NPL) 0.00%

Total Assets $57,157,000

Total Deposits $500,000

Equity Capital $55,679,000

Net Income $1,295,000

Headquarters Wilmington

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HSBC Trust Company (Delaware) earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About HSBC Trust Company (Delaware)

How many branches does HSBC Trust Company (Delaware) operate?

HSBC Trust Company (Delaware) currently maintains approximately 1 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 Trust Company (Delaware) 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 Trust Company (Delaware) provides members with tools to manage their accounts and build a solid financial history.

Does HSBC Trust Company (Delaware) offer online and mobile banking?

Most modern institutions like HSBC Trust Company (Delaware) 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/.