Latest U.S. Bank Interest Rates - September 2026

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.