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U.S. Bank National Association


Phone: 800 473 6372

ACH Number: 122105155

SWIFT Code: USBKUS44XXX

U.S. Bank National Association is an FDIC insured institution headquartered at 425 Walnut St, Cincinnati, OH 45202.
It was founded in 1863 and has approximately $671 billion in assets. Customers can open an account at one of its 3249 branches.

Deposit Rates - December 16, 2025

SAVINGS RATES APY MIN
SAV
0.05% $1 Compare
SAV
3.00% $25,000 Compare
CD RATES APY MIN
3 Mo CD
0.05% $500 Compare
5 Mo CD
4.00% $1,000 Compare
6 Mo CD
0.05% $500 Compare
9 Mo CD
0.05% $500 Compare
9 Mo CD
3.50% $1,000 Compare
12 Mo CD
0.05% $500 Compare
13 Mo CD
3.20% $1,000 Compare
18 Mo CD
0.05% $500 Compare
19 Mo CD
4.10% $1,000 Compare
24 Mo CD
0.05% $500 Compare
28 Mo CD
0.35% $1,000 Compare
30 Mo CD
0.10% $1,000 Compare
36 Mo CD
0.10% $500 Compare
48 Mo CD
0.15% $500 Compare
60 Mo CD
0.25% $500 Compare
60 Mo CD
0.40% $1,000 Compare
MM RATES APY MIN
Money Market
0.01% $0 Compare
Money Market
4.25% $25,000 Compare
Money Market
4.00% $50,000 Compare
VARIABLE IRA RATES APY MIN
VIRA
0.01% $1
INT CHECKING RATES APY MIN
INTCK
0.01% $1




Loan Rates - December 16, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.12% $2,195.57
7 Year Adjustable Conforming
7.12% $2,022.62
10 Year Adjustable Conforming
7.01% $2,022.62
15 Year Fixed Conforming
5.66% $2,593.49
15 Year Fixed Jumbo
6.26% $2,700.34
20 Year Fixed Conforming
5.97% $2,246.67
20 Year Fixed Jumbo
6.48% $2,338.97
30 Year Fixed Conforming
6.27% $1,944.35
30 Year Fixed Jumbo
6.41% $1,970.30
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.12% $2,195.57
7 Year Adjustable Conforming
7.12% $2,022.62
10 Year Adjustable Conforming
7.01% $2,022.62
15 Year Fixed Conforming
5.66% $2,593.49
15 Year Fixed Jumbo
6.26% $2,700.34
20 Year Fixed Conforming
5.97% $2,246.67
20 Year Fixed Jumbo
6.48% $2,338.97
30 Year Fixed Conforming
6.27% $1,944.35
30 Year Fixed Jumbo
6.41% $1,970.30
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
8.65% Varies
Compare with 0 RATE Line of Credit from Figure Home Equity Line Figure Home Equity Line
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
5 Year
6.96% $494.56

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6548
Date Established 1863
Assets $ 671.44 billion
Loans $ 374.99 billion
Deposits $ 529.92 billion
Capital $ 66.01 billion

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 57.57 billion
Interest-bearing balances $ 51.39 billion
Total securities $ 167.80 billion
Federal funds sold and reverse repurchase $ 35.00 million
Net loans and leases $ 374.99 billion
Loan loss allowance $ 7.54 billion
Trading account assets $ 4.28 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 21.47 million
Goodwill and other intangibles $ 17.75 billion
All other assets $ 33.63 billion
     Total Assets $ 605.43 billion

LIABILITIES
Total deposits $ 529.92 billion
      Interest-bearing deposits $ 441.10 billion
      Deposits held in domestic offices $ 523.49 billion
      % insured (estimated)" 49.77%
Federal funds purchased and repurchase agreements $ 757.18 million
Trading liabilities $ 3.65 billion
Other borrowed funds $ 37.48 billion
Subordinated debt $ 4.60 billion
All other liabilities $ 14.48 billionn
      Total Liabilities $ 605.43 billion
      Shareholders’ Equity $ 66.01 billion

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 14.84 billion
Total Interest Expense $ 6.52 billion
Net interest income $ 8.32 billion
Provision for loan and lease losses $ 1,037.92 million
Total non interest income $ 5.55 billion
Total non interest expense $ 8.13 billion
Pre-tax Net Operating Income $ 4.02 billion

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Branches

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U.S. Bank National Association 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
    U.S. Bank National Association
    Bank
    -
    $50,000
    N.A.
    0.05%
    0.22x (National Avg. - 0.23%)
    $1
    -
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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