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Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates and data displayed are actual, verified figures sourced directly from financial institutions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Published: April 11, 2023 | Updated: February 18, 2026

US Bank CD Rates: 7-Month at 4.40%, 11-Month 4.50%, 15-Month 4.60%, 19-Month 4.70%

US Bank CD rates on the bank’s special certificates of deposit (CDs) are some of the best short-term rates available. 7-month CD rates are at 4.40%, 11-month CD rates are at 4.50%, 15-month CD rates are 4.60%, and 19-month CD rates are at 4.70%. As you can see, these short-term rates are very competitive and will above the current national average for the same CD term. If you deposit $25,000 in the 7-month CD at a rate of 4.40%, you will earn $636.47 in interest, not a bad risk-free return. The minimum opening deposit is $1,000 and the maximum is $250,000.

US Bank is also offering many other types of CDs but the current rates on those CDs are pathetic when compared to the special rates. I’ll list those rates below just so you can see the difference. One type is US Bank’s Standard CD, which has terms ranging from 1-month to 60-months, with the highest rate being on the 60-month CD at a paltry rate of 0.25% APY.

US Bank CD Rates on Special CD Accounts

  • 7-month CD special: 4.40% APY
  • 11-month CD special: 4.50% APY
  • 15-month CD special: 4.60% APY
  • 19-month CD special: 4.70% APY

US Bank Standard CD Rates

  • 1-month to 24-months 0.05% APY
  • 30-month 0.10% APY
  • 48-month 0.15% APY
  • 60-month .025% APY

Another interesting CD account US Bank is offering is their Step-Up CD, but the interest rate on this CD is also much lower than the Special rates. The Step up CD, the interest rate increases every seven months throughout this CD’s 28-month term.

US Bank Step Up CD Rates

28-Month CD

  • 0.05% for first 7 months
  • 0.25% for next 7 months
  • 0.45% for next 7 months
  • 0.65% for last 7 months

The blended APY for this 28-month Step UP CD is only 0.35%, well below the 19-month Special rate of 4.70%.

US Bank Trade UP CD Rates

The Trade Up CD account allows you to have the rate increased one time after you open the account. If rates are increased you can “trade up” to the higher rate. Option to trade up one time only during the initial term requires you to visit a U.S. Bank branch to redeem before the maturity date.

  • 30-month 0.10% APY
  • 60-month 0.40% APY

In summary, US Bank offers competitive CD rates on their Special CDs and offer four short-terms ranging from 7-months to 19-months. The special interest rates are well above the rates on the bank’s other types of CD accounts.