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Special 19-Month CD Rate at US Bank in Southern California


US Bank (OH)

US Bank, N.A. has some special 19-month CD rates that are higher at certain branches than what's listed on the bank's website. The best that I've found is in Southern California which has a 1.50% APY. This was advertised in the Sunday (3/20/11) Riverside Press-Enterprise newspaper. The online ad is available here. I called this morning (3/22/11) and confirmed it's still available. The online 19-month CD rate is only 1.15% APY. I was told branches in some other states like Oregon have this lower online rate. So if you're interested in this 19-month CD special, be sure to call US Bank to see if the higher rate is available in your area. Please leave a comment if you check.

The online ad specifies a minimum deposit of $500, and a maximum deposit of $250,000. The offer also applies to business CDs and IRA CDs.

Other US Bank CD Rates

US Bank continues to have a decent deal for two long-term CD specials. These are listed online and are available nationwide. The 59-month CD special has a 2.50% APY and the 37-month CD special has a 1.75% APY. These are listed on US Bank's CD rates page as of 3/22/2011. One important downside with US Bank's CDs is a harsh early withdrawal penalty. I have more details on this in my US Bank CD review.

US Bank START Savings Program

US Bank also a pretty good deal on a savings account program called S.T.A.R.T. Like the savings programs at Bank of America (Keep the Change), it's not going to make you a lot of money, but you can easily earn $100 in one year without much work or money (my US Bank START review).

US Bank Overview

US Bank has branches in many states. It has most of its branches in the states of Arizona, California, Colorado, Illinois, Iowa, Kentucky, Minnesota, Missouri, Nevada, Ohio, Oregon, Washington and Wisconsin.

US Bank is one of the nation's largest regional banks with $302 billion in assets. The bank has an overall health score at of 4 stars (out of 5) with a Texas Ratio of 14.52% (above average) based on December 2010 data. Please refer to our financial overview of US Bank for more details. The bank has been a FDIC member since 1934 (FDIC Certificate # 6548).

How It Compares

This 19-month CD rate is close to the best 18-month CD rates that are nationally available. The best 18-month CD rate is 1.55% APY at Alliant Credit Union with a $25K minimum deposit. The best 18-month CD at a bank is 1.50% APY at CNB Bank Direct. This also has a $25K minimum deposit. These rates are accurate as of 3/22/2011.

Searching for the Best CD Rates

To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of

  Tags: US Bank (OH), CD rates, California

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Comment #1 by Anonymous posted on
Woopee! Wow, a whopping 1.5% for 19 mo. I'd rather stuff my mattress with hundred dollar bills. :-(

Comment #2 by Anonymous posted on
Can you please disclose where your mattress is located?

Comment #3 by Gail R. (anonymous) posted on
Gail R.
2 things that I can't understand about this blog/website, which I do enjoy immensely:

1) excitement over 1.00 to 1.75% accts. of any type

2) excitement over "mild" early CD withdrawal penalties that the banks can alter if they wish, or, refuse to redeem early altogether.

Can someone explain?

Comment #4 by vern (anonymous) posted on
You are all morons. The market sets rates, not this blog. If this blog is only supposed to post about rates that are 200 bps above market, this blog will cease to have many postings, no one will read it, and it will shut down.

This blog is very useful. If a post isn't to your liking, just skip it. No one's making you read it.

Comment #5 by Anonymous posted on
way to go vern...

Comment #6 by Anonymous posted on
thats right anonymous 4 and 5,,,  i made so much money with this blog over the years, and still im making..if you got something to cry about, then cry to the government...

Comment #7 by L. Warsghak (anonymous) posted on
L. Warsghak
I agree with #3, Gail.  Sub-2% rates are for idiots.  Here in the Pac NW, the 3 to 5 yr CDs are in the hi 2's to low 3's.   Seems like the way to go now.  And she's right about the early withdrawal issue.  That cannot be depended on.  Citytrust changed my sister in law's early withdrawal penalty a couple yrs. back from 6 months int. penalty to 12 months.  There was no recourse for the depositor as per her lawyer.

Comment #8 by Anonymous posted on
This site teaches and shows us all how to have every penny earning interest every minute of the day. For someone not to take advantage of the information on this site, in my opinion, does not make sense. I have done this for over 50 years after taking a mandatory 9th grade class and this site makes it so much easier to achieve our goal. My husband and I were married at 18 and 20 years of age and was able to put 30% down on our home 1 year after we were married. Not taking advantage of this information would be like ignoring the stop sign and going through the intersection. People make strange decisions.

Comment #9 by Anonymous posted on
I am not much a genious when it comes to finance so this website is pretty much all I have for direction.  It is very much appreciated and I enjoy reading all the comments, even the caustic ones.

Thanks again for the never-ending help.

Comment #10 by Anonymous posted on
Do not like US Bank. ACH transfer non existed, 1 day hold on deposits over $100, fees for requesting statements, Charge $10 fee as an invoice fee for safe deposit box. Will cancel account soon.

Comment #11 by Anonymous posted on
Hey #7 please tell us where in the PAC NW the rates are upper 2's low 3's for 3-5 year terms?

Comment #12 by Bob (anonymous) posted on
That guy is blowing smoke. There are NO 3 to 5 year CD's paying high 2 to low 3 percent rate, in the Northwest, or anywhere else.

Comment #13 by Brendan (anonymous) posted on
Note to Bob #12:  how about Melrose Credit Union 2.90%, 5 year,  PenFed 2.75% 7-year, Astoria Federal 5 yr 2.65% ?   Sir, you really are not informed.

Comment #14 by vern (anonymous) posted on
OK so there are some 5 year cd's. there are NO 3 or 4 year CDs with those rates. So the original statement was partially mistaken.

Comment #15 by Alyssia (anonymous) posted on
I thought the readers of this blog were intelligent.  Plenty of hi 2's-very lo 3's CDs out there.  Teachers FCU for one has a 5yr 2.75% right now.  There are also a few hi 2's 3-4 yr cd's (no 3s though).   LOMTO has a 2.60% 4-yr and a 2.95% 5-year.  You just have to look for them and stop whining and asking others to do it for you. What's wrong with you people?????

Comment #16 by Anonymous posted on
Alyssia - #15,

Yawn, ZZZ.

Comment #18 by vern (anonymous) posted on
What the hell is a 3-4 year CD? It is either a 3 or a 4. Not both.