USBCommercial Bank
Latest U.S. Bank Interest Rates - September 2026
U.S. Bank National Association (USB)
1-Year CD: 3% Mortgage APR: 6.49% Prime Rate: 6.75%
Interest Rate Summary
U.S. Bank Interest Rates & Loan Products Overview
Quick Summary: Official interest rates and consumer retail banking products offered by U.S. Bank (USB) across the United States:
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Standing at 6.75%, indexing floating consumer loans, lines of credit, and credit cards.
- Savings & CDs: Standard Bank Smartly Savings yields a baseline 0.01% APY (with relationship balance boosts up to 3.50% APY). Featured promotional CD Specials offer 3.35% APY (5-month), 3.25% APY (6-month), 3.15% APY (9-month), and 3.00% APY (12-month) for a $1,000 minimum deposit.
Consumer Loans & Retail Financing:
- Mortgage Loans: Standard 30-Year Fixed purchase mortgage rates start from 6.490% (approx. 6.643% APR), alongside 15-Year Fixed and 7/6-month ARM options with terms up to 30 years and no prepayment penalties.
- Auto Financing: New and used direct auto loan financing rates start as low as 6.31% APR for loan amounts of $40,000 or greater up to 60–72 months.
- Personal Loans: Unsecured personal installment loans range from 9.24% to 24.99% APR for terms of 12 to 84 months and borrowing amounts between $1,000 and $50,000 ($25,000 for non-customers).
- Credit Cards: Core cards (e.g., U.S. Bank Altitude Go or Visa Platinum) feature 0% introductory APR promotional periods followed by variable purchase APRs starting at 17.74%.
💡 Financial Tip: Rates and CD terms may vary by geographic ZIP code and existing account relationship status. Check exact localized offerings on USBank.com before completing an application.
CD & Savings Interest Rates - USB
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.01% | 0.01% |
| 1 Month | - | 0% |
| 3 Months | - | 0% |
| 6 Months | 3.25% | 3.25% |
| 12 Months (Benchmark ⭐) | 3% | 3% |
| 24 Months | - | 0% |
| 36 Months | - | 0% |
Featured Loan Products - USB
Loan Guide & Terms →mortgageUSB
6.49% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanUSB
6.31% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
personal loanUSB
9.24% /yr
- • Max loan term: 5 years
student loanUSB
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for U.S. Bank
Simulate monthly principal and interest payments at 6.49%/yr APR for USB with detailed amortization schedule and Excel export.
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