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CIBC Bank USA

For information concerning Canadian Imperial Bank USA online bank, please click here .

Phone: 877-448-6500

ACH Number: 071006486

SWIFT Code: PVTBUS44XXX

CIBC Bank USA is an FDIC insured institution headquartered at 120 S La Salle St, Chicago, IL 60603.
It was founded in 1991 and has approximately $61 billion in assets. Customers can open an account at one of its 29 branches.

Deposit Rates - March 09, 2026

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.30% $10,000 Compare
12 Mo CD
0.35% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.35% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.40% $100,000 Compare
30 Mo CD
0.35% $10,000 Compare
30 Mo CD
0.40% $100,000 Compare
36 Mo CD
0.40% $10,000 Compare
36 Mo CD
0.45% $100,000 Compare
48 Mo CD
0.45% $10,000 Compare
48 Mo CD
0.50% $100,000 Compare
60 Mo CD
0.60% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.03% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.03% $25,000 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33306
Date Established 1991
Assets $ 61.49 billion
Loans $ 37.49 billion
Deposits $ 48.30 billion
Capital $ 10.93 billion

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 10.64 billion
Interest-bearing balances $ 10.40 billion
Total securities $ 9.04 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 37.49 billion
Loan loss allowance $ 506.59 million
Trading account assets $ 4.21 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.83 billion
All other assets $ 740.15 million
     Total Assets $ 50.56 billion

LIABILITIES
Total deposits $ 48.30 billion
      Interest-bearing deposits $ 37.88 billion
      Deposits held in domestic offices $ 48.30 billion
      % insured (estimated)" 33.69%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 3.20 million
Other borrowed funds $ 1,140.91 million
Subordinated debt N.A.
All other liabilities $ 445.45 millionn
      Total Liabilities $ 50.56 billion
      Shareholders’ Equity $ 10.93 billion

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 2.49 billion
Total Interest Expense $ 1,161.36 million
Net interest income $ 1,327.36 million
Provision for loan and lease losses $ 37.76 million
Total non interest income $ 140.84 million
Total non interest expense $ 545.25 million
Pre-tax Net Operating Income $ 325.67 million

Customer Reviews for CIBC Bank USA (4)

Rated 4.25 stars out of 5 - based on 4 reviews

  • Thank you to this site for showing this CD rate. I could not find it on the three leading sites (Bankrate, BestCashCow or Nerdwallet). Heck, I couldn't even find it easily on CIBC's own website, but that is another story. The thing that is great here is that there is only a 30 day EWP on 1-year CDs which is a nice feature as we learned during the pandemic that you really never can see what your cash needs are too far out.

  • The best bank in Canada by far. But, not competitive in the US at all. The good news is that I could move everything out to buy treasuries in my brokerage account with two clicks (unlike Synchrony which was a disaster to get out of).

  • Lots of these big more recognized names have long wait times to be followed by people answering the phone needing to do research in order to provide unsatisfactory answers. I have only called CIBC once or twice in many years as a customer, but this has not been my experience there.

  • We've been customers for several years. Never a problem.

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Branches

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CIBC Bank USA Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    CIBC Bank USA
    Bank
    ILLINOIS
    $50,000
    N.A.
    0.03%
    0.13x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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