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Savings Accounts
We're committed to helping you find the best savings solution to more effectively manage your finances and achieve your goals. Our broad range of money market accounts, savings accounts and CDs help your money work even harder for you. With so many options, there are so many more ways to save!
And our new S.T.A.R.T. (Savings Today And Rewards Tomorrow) Savings Program makes it easy to "start" a savings plan that's right for you, stay on track to meet your goal plus earn rewards along the way.
There's never been a better time to start a savings plan. Apply today!
Package Money Market Savings
Enjoy exclusive rates, discounts and other valuable benefits when you team up your accounts in a U.S. Bank Package. Apply for a Package Money Market Savings account, and take advantage of FDIC-insured1 powerful savings and our best interest rates.
| Minimum Opening Deposit | $25 |
|---|---|
| Monthly Maintenance Fee | $0 |
| Rates and Service Fees | View Today's Interest Rates |
| ATM Transactions | Free at U.S. Bank ATMs 2 (Non-U.S. Bank ATM fees apply.) |
| Other | This account is part of a U.S. Bank Package. You also must have a U.S. Bank Silver, Gold or Platinum Checking account. 3 Check writing is not available on this account. |
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Elite Money Market
When you keep your balances higher with our Elite Money Market account, you're rewarded with a higher rate of return. This premium, tiered-interest account gives you secure, easy access to your money and total peace-of-mind, because it's FDIC-insured.
| Minimum Opening Deposit | $100 |
|---|---|
| Monthly Maintenance Fee | $0 |
| Rates and Service Fees | View Today's Interest Rates |
| ATM Transactions | Free at U.S. Bank ATMs 2 (Non-U.S. Bank ATM fees apply.) |
| Other | Write up to three (3) checks per statement cycle for check safekeeping. |
- Apply Now
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Money Market
Save with more confidence and assurance with a Money Market account. Our standard Money Market account is FDIC-insured and provides competitive interest rates and a low minimum balance requirement. Plus, you'll always have easy access to your funds when you need them.
| Minimum Opening Deposit | $100 |
|---|---|
| Monthly Maintenance Fee | $10 |
| Requirement to Waive Monthly Maintenance Fee | $1,000 minimum daily ledger balance or $2,500 average monthly collected balance |
| Rates and Service Fees | View Today's Interest Rates |
| ATM Transactions | Free at U.S. Bank ATMs 2 (Non-U.S. Bank ATM fees apply.) |
| Other | Write up to three (3) checks per statement cycle for check safekeeping. |
- Apply Now
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Standard Savings
Our FDIC-insured Standard Savings account features competitive rates and is ideal for first-time savers and those with low account balances. Best of all, you'll have convenient access to your money when you need it, all while it earns interest. It can also be used as an overdraft protection tool for your U.S. Bank Checking account.
| Minimum Opening Deposit | $25 |
|---|---|
| Monthly Maintenance Fee | $4 |
| Requirement to Waive Monthly Maintenance Fee | $300 daily ledger balance or $1,000 average monthly collected balance |
| Rates and Service Fees | View Today's Interest Rates |
| ATM Transactions | Free at U.S. Bank ATMs 2 (Non-U.S. Bank ATM fees apply.) |
- Apply Now
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Goal Savings
Get yourself on the fast track with automatic transfers from your U.S. Bank Checking account. The Goal Savings Account is FDIC-insured and gives you an easy way to save. Open separate accounts and give them unique names to reflect your personalized saving goals.
| Minimum Opening Deposit | $0, with a minimum $25 automatic monthly transfer from a U.S. Bank Checking account, per statement cycle |
|---|---|
| Monthly Maintenance Fee | $0 |
| Rates and Service Fees | View Today's Interest Rates |
| ATM Transactions | Free at U.S. Bank ATMs 2 (Non-U.S. Bank ATM fees apply.) |
| Other | To qualify, you must have a U.S. Bank Checking account. Your account can be named to reflect your specific saving goals. |
- Apply Now
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Star Savers Club
Teach your kids the importance of saving at a young age with the U.S. Bank Star Savers Club account. It grows as they do and helps kids ages 0-17 understand the many valuable benefits of saving money. It offers fun resources and activities to motivate them even more.
| Minimum Opening Deposit | $25 |
|---|---|
| Monthly Maintenance Fee | $0 |
| Interest Tiers | See branch for details |
| Other | Account will be converted to Standard Savings when minor reaches 18 years of age. |
Health Savings Accounts (HSAs)
Save for future medical expenses for yourself or your covered dependents, on a federal tax-free basis. 4 Contribute money to your FDIC-insured Health Savings Account (HSA) and save with great money market rates. HSAs are convenient, because you can use it just like any checking account for qualified medical expenses. You can even add someone else to your account as power of attorney and get a check card for him or her.
| Minimum Opening Deposit | $0 |
|---|---|
| Monthly Maintenance Fee | $2.50 |
| Requirement to Waive Monthly Maintenance Fee | $2,500 average collected balance |
| Interest Tiers | Varies by Region: |
| ATM Transactions | Free at U.S. Bank ATMs2 |
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FDIC Insured up to the maximum allowed by law.
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A surcharge fee will be applied by the ATM owner, unless they are participating in the MoneyPass network.
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A U.S. Bank Package Checking account and a U.S. Bank Package Money Market Savings account and/or a U.S. Bank Credit Card must be opened with the same accountholder names on each account to be eligible for a U.S. Bank Package and its benefits. To maintain Package benefits, these qualifying accounts must be open, active and in good standing.
See the "Your Deposit Account Agreement" brochure, the Consumer Pricing Brochure and the Cardmember Agreement for additional information and terms governing your accounts. Other conditions and restrictions may apply; see your banker for details. Credit products are subject to approval and are offered though U.S. Bank, National Association ND and N.A. Deposit and mortgage products are offered through U.S. Bank, N.A., Member FDIC.
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To qualify for an HSA, you must be covered by a High-Deductible Health Plan (HDHP). You also need to be at least 18 years old. You are ineligible for an HSA if you are covered by any health insurance plan other than an HDHP, have applied for Social Security benefits, receive Medicare benefits or are claimed as a dependent on another person's tax return.
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- Deposit Products offered by U.S. Bank N.A. Member FDIC
It's easy to plan and earn rewards with S.T.A.R.T.