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Discover how a business CD can benefit your business.

A U.S. Bank certificate of deposit (CD) is an excellent option to grow your savings if you’re able to devote funds for longer periods of time. Guarantee your rate for the term length that works best for you.

Choice of deposit amount and term length

Flexible terms from 14 days to 5 years

Competitive interest rates

FDIC insured  1

Enter your ZIP code to explore CD rates in your area.

Enter your ZIP code to view your rates and learn how to build your savings.

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U.S. Bank CD Special and Jumbo accounts

CD Special 2,3

CDs offer special rates to help build your savings.

  • $1,000 minimum opening deposit ($250,000 maximum)4
Interest Rates
##.##
for 11 months
##.##
for 15 months

Jumbo CD2,3

Deposit more to earn more with our competitive interest rates that guarantee a fixed rate of return if held for the full term.

  • $250,000.01 minimum opening deposit ($9,999,999.99 maximum)5
Interest Rates
##.##
for 6 months
##.##
for 12 months
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U.S. Bank Standard, Step Up and Trade Up CD accounts

Standard CD2,3

Choose the term and deposit amount that are right for your business needs.

  • $500 minimum opening deposit ($250,000 maximum)6
Interest Rates
##.##
for 9 months
##.##
for 12 months

Step Up CD2,3

Step up your savings with a rising rate CD that automatically increases its interest rate at 7, 14 and 21 months.7

  • $1,000 minimum opening deposit ($250,000 maximum)4
Interest Rates
##.##
for first 7 months
##.##
for next 7 months

Trade Up CD2,3

Take advantage of a long-term CD that adapts to a rising interest rate environment. Lock in a higher rate once during the 30-month or 60-month term.8

  • $1,000 minimum opening deposit ($250,000 maximum)4
Interest Rates
##.##
for 30 months
##.##
for 60 months
Make an appointment

How much can you earn?

Compare today’s rates.

Need help deciding which business CD is right for your business? Select an account type below to view today’s Annual Percentage Yield (APY)9 or Blended Annual Percentage Yield (APY)10 for your location.

 
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Terms in months2

CD Amount4

Rate

APY9

Terms in months2

CD Amount6

Rate

APY9

Terms in months2

Rates7

Blended APY10

Terms in months2

CD Amount4

Rate

APY9
Financial plan chart

Looking for more ways to earn more interest on your business savings?

U.S. Bank business money market accounts offer tiered interest rates while providing easy access to your funds. The higher the tier, the more interest you earn.

Learn more about business money market accounts

Explore helpful resources.

What is a certificate of deposit? And what to know before opening an account

Read more about certificates of deposit.

How to choose the right business savings account

Read more about business savings accounts

Get answers to common questions about business CDs.  

A CD accrues interest and can help you save your money to be used at a later time. You take out a CD for a given amount of time at a given interest rate, both of which are set when it’s opened.

Funds put in a CD can’t be withdrawn before the end of the CD’s duration without an early withdrawal penalty. That duration, also called a term, is set when you take out the CD.

When the CD reaches its maturity date, we’ll automatically offer to renew it. Renewal offers stay available until the grace period ends or when the CD has been renewed, whichever comes first. Your grace period can be found on the Overview tab of your CD.2

We'll need to speak with you to make any type of withdrawal – whether it's at the time the CD matures, to make an Interest-only withdrawal or a partial withdrawal.

The best time to withdraw funds is when the term of your CD has ended (i.e., matured). By waiting until the CD has matured, you can avoid penalties.

Yes. If you withdraw funds before the CD’s term ends, you may have to pay a penalty. To learn the exact amount of the penalty, you'll need to speak with a banker.

If you're ready to close your CD, please contact us to complete the request. The best time to close is when the term of your CD has ended (i.e., matured). By waiting until the CD has matured, you can avoid penalties.

Get started

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Request a call
Call 866-280-3751
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Start of disclosure content

Disclosures

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Start of disclosure content

  1. FDIC insured to the maximum allowed by law.

  2. 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.

  3. Online application is not valid for single maturity CDs, business or retirement CDs, brokerage deposits, institutional investors, public funds or in conjunction with other promotional offers.

  4. $1,000 minimum opening deposit up to a maximum of $250,000. 

  5. Jumbo CD Special rates are applicable for a minimum opening deposit of $250,000.01.

  6. $500 minimum opening deposit up to a maximum of $250,000.

  7. Interest rates are set at the time the CD is opened and cannot change.

  8. 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. 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.

  9. 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.

  10. Blended 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.