U.S. Bank National Association
US Bank Business CD Review 2026
Updated June 3, 2026
Business CD from a full-service national bank with tiered APY and nationwide branches.
Who US Bank Business CD is best for
Established SMBs that want to lock idle reserves into a fixed-rate CD at the same national bank that handles their checking and credit.
At a glance
- CD APY
- Tiered — verify current tiers
- Minimum deposit
- Per current terms
- Branch access
- Yes
- FDIC
- Insured
APY varies by term and balance; confirm at usbank.com, Jun 2026
Verify opening requirements at usbank.com
Nationwide branch and ATM network
U.S. Bank N.A. — $250K coverage
Pros
- +Nationwide physical branch network — in-person account management and cash deposit capability
- +Full-service bank relationship: business checking, savings, CDs, lines of credit, and SBA lending under one roof
- +FDIC insured through U.S. Bank National Association (FDIC, fdic.gov)
- +Tiered APY structure may reward larger deposits with better rates — verify current tiers at usbank.com
- +Matured CD funds can transfer directly to a US Bank business checking or savings account
Cons
- −APY typically below the top online-only picks
- −Minimum deposit and exact available terms require verification at usbank.com
- −Early-withdrawal penalty applies — review penalty schedule at usbank.com before opening
US Bank Business CD requirements
- US-registered business entity
- Business EIN and documentation required
- In-branch or online application
US Bank Business CD alternatives
Top alternatives worth comparing from Best Business CD Rates 2026.
Live Oak Bank
Live Oak Bank Business CD
Higher confirmed APY (~5.10%) if branch access is not needed
American Express National Bank
American Express Business CD
No minimum deposit and ~5.00% APY from an established institution
Capital One, N.A.
Capital One Business CD
Hybrid branch access with a smaller national footprint
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-06-03
The full lineup
See all picks in Best Business CD Rates 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
US Bank Business CD scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Established SMBs that want to lock idle reserves into a fixed-rate CD at the same national bank that handles their checking and credit.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about US Bank Business CD
Is US Bank Business CD FDIC insured?+
Yes. U.S. Bank National Association is an FDIC-member institution. Business CD deposits are insured up to $250,000 per depositor, per ownership category. Source: FDIC at fdic.gov.
Is ClearValue Lending a bank or CD issuer?+
No. ClearValue Lending is not a bank, CD issuer, lender, or financial advisor. This review presents publicly available editorial information about US Bank Business CDs. CDs are issued and operated by U.S. Bank National Association. APYs, terms, early-withdrawal penalties, and eligibility are determined solely by U.S. Bank and may change — verify current terms at usbank.com before opening.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.