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U.S. Bank CD Ladder

Give your savings a boost.

With a U.S. Bank CD ladder, you can earn the competitive, guaranteed, fixed rates of a CD and have more flexibility as each CD matures. Build your ladder with a minimum deposit of $2,000.1

Build your CD ladder

What is a CD ladder?

A CD ladder is a simple strategy designed to help you earn the higher annual percentage yields (APYs)2 of CDs while maintaining frequent access to portions of your deposit. This is done by spreading your deposit across multiple CDs, each with a different maturity date. Together, these CDs represent a ladder, and each individual CD within that ladder represents one step.

The staggered maturity dates in your ladder give you frequent, planned opportunities to access your funds. When the first step of your ladder matures, you can choose to withdraw that cash or add a new step to your ladder by renewing it.

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Why create a CD ladder?

Greater flexibility

Stagger the term lengths for each step of your ladder to match your anticipated cash needs.

Higher rates

Each CD in your ladder earns the APY of a CD for that specific term length.2

Guaranteed returns

The APY for each step of your ladder is guaranteed for the full term of that step.3

FDIC Secured

All U.S. Bank CDs are FDIC insured to the maximum allowed by law.4

How to build and grow your CD ladder

Using the CD ladder calculator below, enter your ZIP code, your full deposit amount, the number of steps (CDs) you want in your ladder, and the term length of your longest step. We’ll distribute your deposit amount evenly across the ladder.

When a CD in your ladder reaches maturity, you can withdraw your funds within 10 calendar days by transferring your money to an internal or external checking or savings account. Or you can grow your ladder by:

  • Doing nothing: It will automatically renew at the longest term length of your initial ladder.3
  • Customizing a new step in your ladder: Choose a new deposit amount and term length.

Customize a CD ladder to match your needs.

Enter your ZIP code, the number of CDs you want in your ladder and the longest term to see how much you can earn with a CD ladder. Already a U.S. Bank customer? Log in to your account through online banking or the mobile app to review your personalized CD offers.

 

The advertised APY2 is not valid for customers with any U.S. Bank CD accounts closed within the past 60 days. The APY2 is based off the U.S. Bank CD Special Account and is effective May 19, 2026.

 

 

Enter your ZIP code
A ZIP code is required to check local rate information.
We don't recognize that ZIP code. Please try again.
We're sorry. Rate information is not available for that ZIP code.

Enter an amount between $2,000 to $250,000

Select the number of CDs, the longest CD term and your total deposit amount and then select Build your CD ladder.

CD Laddering Calculator
TOTAL AMOUNT AT MATURITY

Customize your CD ladder

Fund your CD ladder
Cancel Save Changes

CD term

APY

Initial deposit

Amount at maturity
TOTAL AMOUNT AT MATURITY

Explore other ways to save.

U.S. Bank CD Special

Lock in our best rates with a CD Special Account. A minimum of $1,000 is needed to open an account.

Learn about the U.S. Bank CD Special Account

U.S. Bank Standard CD

Our Standard CD combines a lower $500 minimum with the flexibility of term lengths ranging from one month to five years.

Learn about the U.S. Bank Standard CD

Bank on the go with U.S. Bank.

Manage your money wherever, whenever with the U.S. Bank Mobile App. Explore the many digital tools that can help you plan for the future and take care of everyday tasks, including renewing your CD.

Learn about U.S. Bank digital tools

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Frequently asked questions

Yes, after a CD matures, there is a 10-calendar-day grace period during which you can:

  • Withdraw your funds by transferring them to an internal or external checking or savings account.
  • Customize a new CD rung by choosing a dollar amount and term length.
  • Do nothing and let the CD automatically renew.3

If you choose to do nothing, the CD will renew for the same term length at the published rate for that CD in your ZIP code.

Rates vary by the term of each CD. That means different CDs in the same ladder may have different rates. If a CD renews, the new rate is based on the published rate for the CD, excluding special offers, that’s closest to but does not exceed the term of the renewing CD.3

No. Once your CD ladder is funded, deposit amounts, terms and rates are locked in for each CD within the ladder and cannot be adjusted midterm. However, you can open additional CDs and add them to your ladder at any time. Additionally, if you renew a CD within your ladder at its maturity, you can customize the dollar amount and term length during a 10-day grace period following maturity date.

You will have access to portions of your money every time a CD in your ladder matures.

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  1. $1,000 minimum opening deposit for a single CD with a maximum of $250,000. $2,000 minimum opening deposit for a CD ladder comprised of at least 2 CDs up to a maximum of $1,250,000 for up to 5 CDs.

  2. 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.

  3. 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.

  4. FDIC insured to the maximum allowed by law.

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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.

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

Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402

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