U.S. Bank National Association

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U.S. Bank National Association Locations

U.S. Bank National Association ACH Number: 122105155

Deposit Rates - September 24, 2022

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
0.05% $10,000 Compare
6 Mo CD
0.05% $100,000 Compare
Special: 11 Mo CD
0.15% $1,000 Compare
MM RATES APY MIN
Money Market
0.01% $2,500 Compare
Money Market
0.01% $10,000 Compare
Money Market
0.01% $25,000 Compare
PREMM RATES APY MIN
Premium Money Market
0.01% $10,000 Compare
Premium Money Market
0.01% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.01% $1
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.01% $2,500

Loan Rates - September 24, 2022

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.89% $1,748.04
7 Year Adjustable Conforming
8.39% $1,857.12
10 Year Adjustable Conforming
8.38% $1,879.92
15 Year Fixed Conforming
7.00% $2,230.33
15 Year Fixed Jumbo
7.29% $2,282.16
20 Year Fixed Conforming
7.22% $1,957.80
20 Year Fixed Jumbo
7.41% $1,995.68
30 Year Fixed Jumbo
7.40% $1,727.54
30 Year Fixed Conforming
7.45% $1,727.54
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.89% $1,748.04
7 Year Adjustable Conforming
8.39% $1,857.12
10 Year Adjustable Conforming
8.38% $1,879.92
15 Year Fixed Conforming
7.00% $2,230.33
15 Year Fixed Jumbo
7.29% $2,282.16
20 Year Fixed Conforming
7.22% $1,957.80
20 Year Fixed Jumbo
7.41% $1,995.68
30 Year Fixed Jumbo
7.40% $1,727.54
30 Year Fixed Conforming
7.45% $1,727.54

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6548
Date Established 1863
Assets $ 577.54 billion
Loans $ 316.59 billion
Deposits $ 473.05 billion
Capital $ 46.23 billion

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 44.15 billion
Interest-bearing balances $ 38.92 billion
Total securities $ 166.50 billion
Federal funds sold and reverse repurchase $ 7.46 million
Net loans and leases $ 316.59 billion
Loan loss allowance $ 5.66 billion
Trading account assets $ 2.04 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 22.63 million
Goodwill and other intangibles $ 14.28 billion
All other assets $ 30.74 billion
     Total Assets $ 531.31 billion

LIABILITIES
Total deposits $ 473.05 billion
      Interest-bearing deposits $ 342.55 billion
      Deposits held in domestic offices $ 455.85 billion
      % insured (estimated) 48.80%
Federal funds purchased and repurchase agreements $ 1,494.36 million
Trading liabilities $ 2.88 billion
Other borrowed funds $ 35.93 billion
Subordinated debt $ 3.60 billion
All other liabilities $ 14.35 billionn
      Total Liabilities $ 531.31 billion
      Shareholders’ Equity $ 46.23 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 3.40 billion
Total Interest Expense $ 168.37 million
Net interest income $ 3.23 billion
Provision for loan and lease losses $ 113.69 million
Total non interest income $ 2.29 billion
Total non interest expense $ 3.40 billion
Pre-tax Net Operating Income $ 2.00 billion

U.S. Bank National Association is an FDIC insured institution headquartered at 425 Walnut Street, Cincinnati, OH 45202.
It was founded in 1863 and has approximately $578 billion in assets. Customers can open an account at one of its 3249 branches.

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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 CD
    Bank
    CALIFORNIA
    $50,000
    6 Month
    0.05%
    0.18x (National Avg. - 0.28%)
    $10,000
    -
    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 CD
    Online Bank
    -
    $50,000
    12 Month
    1.65%
    3.99x (National Avg. - 0.41%)
    $1,000
    -
    SCENARIO
    Year Rate
    1.65%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 825 578
    2 50,825 839 587
    3 51,664 852 597
    4 52,516 867 607
    5 53,383 881 617
    6 54,263 895 627
    7 55,159 910 637
    8 56,069 925 648
    9 56,994 940 658
    10 57,934 956 669
    11 58,890 972 680
    12 59,862 988 691
    13 60,850 1,004 703
    14 61,854 1,021 714
    15 62,874 1,037 726
    16 63,912 1,055 738
    17 64,966 1,072 750
    18 66,038 1,090 763
    19 67,128 1,108 775
    20 68,235 1,126 788
    TOTAL $19,361 $13,553
  • 3
    ONLINE CD
    Online Bank
    -
    $50,000
    12 Month
    3.00%
    7.25x (National Avg. - 0.41%)
    $5,000
    -
    SCENARIO
    Year Rate
    3.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 4
    LOCAL CD
    Bank
    -
    $50,000
    24 Month
    3.01%
    5.58x (National Avg. - 0.54%)
    $500
    -
    SCENARIO
    Year Rate
    3.01%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,505 1,054
    2 51,505 1,550 1,085
    3 53,055 1,597 1,118
    4 54,652 1,645 1,152
    5 56,297 1,695 1,186
    6 57,992 1,746 1,222
    7 59,737 1,798 1,259
    8 61,535 1,852 1,297
    9 63,388 1,908 1,336
    10 65,296 1,965 1,376
    11 67,261 2,025 1,417
    12 69,286 2,085 1,460
    13 71,371 2,148 1,504
    14 73,519 2,213 1,549
    15 75,732 2,280 1,596
    16 78,012 2,348 1,644
    17 80,360 2,419 1,693
    18 82,779 2,492 1,744
    19 85,271 2,567 1,797
    20 87,837 2,644 1,851
    TOTAL $40,481 $28,337
  • 5
    LOCAL CD
    Bank
    -
    $50,000
    12 Month
    3.02%
    7.29x (National Avg. - 0.41%)
    $500
    -
    SCENARIO
    Year Rate
    3.02%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,510 1,057
    2 51,510 1,556 1,089
    3 53,066 1,603 1,122
    4 54,668 1,651 1,156
    5 56,319 1,701 1,191
    6 58,020 1,752 1,227
    7 59,772 1,805 1,264
    8 61,577 1,860 1,302
    9 63,437 1,916 1,341
    10 65,353 1,974 1,382
    11 67,326 2,033 1,423
    12 69,360 2,095 1,466
    13 71,454 2,158 1,511
    14 73,612 2,223 1,556
    15 75,835 2,290 1,603
    16 78,126 2,359 1,652
    17 80,485 2,431 1,701
    18 82,916 2,504 1,753
    19 85,420 2,580 1,806
    20 87,999 2,658 1,860
    TOTAL $40,657 $28,460
  • 6
    LOCAL CD
    Bank
    -
    $50,000
    36 Month
    3.26%
    5.13x (National Avg. - 0.64%)
    $500
    -
    SCENARIO
    Year Rate
    3.26%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,630 1,141
    2 51,630 1,683 1,178
    3 53,313 1,738 1,217
    4 55,051 1,795 1,256
    5 56,846 1,853 1,297
    6 58,699 1,914 1,340
    7 60,613 1,976 1,383
    8 62,589 2,040 1,428
    9 64,629 2,107 1,475
    10 66,736 2,176 1,523
    11 68,911 2,247 1,573
    12 71,158 2,320 1,624
    13 73,478 2,395 1,677
    14 75,873 2,473 1,731
    15 78,347 2,554 1,788
    16 80,901 2,637 1,846
    17 83,538 2,723 1,906
    18 86,261 2,812 1,968
    19 89,073 2,904 2,033
    20 91,977 2,998 2,099
    TOTAL $44,976 $31,483