Latest U.S. Bank Interest Rates - September 2026
U.S. Bank National Association (USB)
U.S. Bank Interest Rates & Loan Products Overview
Quick Summary: Key benchmark, retail deposit, and consumer loan products published by U.S. Bank (USB):
Featured Rates & Products:
- Deposit Accounts & CDs: Standard Bank Smartly Savings accounts earn a baseline 0.01% APY, while promotional CD Specials offer up to 3.25% APY for 6-month terms and 3.00% APY for 12-month terms.
- Mortgage Loans: 30-Year Fixed purchase mortgage rates start from 6.875% (7.016% APR), offering low-down-payment programs up to 97% LTV and no prepayment penalties.
- Auto Loans: Direct vehicle purchase loans feature fixed rates starting as low as 6.56% APR on qualifying new and used auto purchases.
- Personal Loans: Unsecured personal installment loans are available from $1,000 to $50,000 with fixed APRs ranging between 9.24% and 24.99% with flexible terms up to 84 months.
- Benchmark Index: The reference U.S. Bank Prime Lending Rate stands at 6.75%.
💡 Financial Tip: U.S. Bank Smartly checking and deposit account holders can qualify for closing credits on mortgage loans and interest rate reductions on unsecured borrowing.
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 →6.88% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 97% of value
- • Formula: SOFR + 2.75%
6.56% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
9.24% /yr
- • Max loan term: 5 years
6.5% /yr
- • Max loan term: 15 years
Calculate Loan Payments for U.S. Bank
Simulate monthly principal and interest payments at 6.88% APR for USB with detailed amortization schedule and Excel export.
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