Us Bank Cd Rates

• Us Bank Cd Rates Current
• Best 1 Year Cd Rates
• Best Cd Rates Local Banks

Online Application E-Signature and Electronic Disclosure Agreement

Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily. Return to content, Footnote 3. Certificates of Deposit - Branch Banks 2021. A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest.

This Online E-Signature and Electronic Disclosures Agreement (“eSign Agreement”) applies to all communications, documents, disclosures ( “Communications”) and electronic signatures related to the products, services and accounts offered or accessible through this online application process for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable.

Agreement to Conduct Transaction by Electronic means:

You agree to conduct the transactions offered through this online application process by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions completed through this online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer or device with sufficient internet connectivity to conduct these transactions online.

Agreement to Use Electronic Signatures:

You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen.

Agreement to Receive Disclosures Electronically:

You agree to receive all legal and regulatory disclosures and other communications associated with any of the account applications or transactions available through this online application process through electronic means including this web based electronic interface and email.

Withdrawing your Consent:

You agree to receive all legal and regulatory disclosures and other communications associated with any of the account applications or transactions available through this online application process through electronic means including this web based electronic interface and email.

Withdrawing your Consent:

You may withdraw your consent to this Online eSign Agreement and electronic signature at any time by closing the browser on any page prior to completing the application process. If you withdraw your consent before the account application process is complete, we cannot accept and process your account application. You understand your right to revoke this Agreement and thereby withdraw consent to communicate with us electronically.

In order to withdraw consent and terminate this Agreement after your account has been established, you must notify us, in writing or by telephone, 30 days in advance of this decision at the address or number listed below. There are no fees associated with rescinding this agreement. However, Green Checking requires electronic statement delivery to avoid monthly maintenance fees. If you elect to rescind your electronic consent your Green Checking account will be converted to a Personal Regular Checking account that does access a monthly maintenance fee if the minimum daily balance of $500 is not met. We will mail paper copies of the disclosure or account statements received electronically at the time the Bank converts your account to a Personal Regular Checking. To obtain a paper copy of any disclosure or statement, contact Hanmi Bank at the address or phone number below. Applicable research fees may be billed to your account.

You agree to notify us immediately if you are unable to access any of the information that has been delivered in an electronic form or manner.

You are responsible for maintaining an accurate e-mail address in which to receive e-mail notifications. You are required to update us with any changes by calling or writing us at the number or address below.

Contact Us:

E-mail: You can contact us at (855) 773-8778 or email to callcenter@hanmi.com. Please note that banking transactions through the System are not made via e-mail.

Availability of Printed Copies:

You may obtain printed copies of any of the agreements, disclosures or other related documents by downloading the documents and printing them from your computer or device or by contacting our Customer Call Center at (855) 773-8778 and requesting copies.

Hardware and Software Requirements:

In order to access, view, and retain electronic Communications from us, you must have:

• Up-to-date Internet browser that we support to access your Account through the Online Service or if accessing your Account through our mobile applications.
• Local, electronic storage capacity to retain our Communications and/or a printer to print them001a
• A valid email account and software to access it001a
• An up-to-date device or devices (e.g., computer, smartphone, mobile device, tablet, etc.) suitable for connecting to the Internet or for downloading our mobile applications or accessing our mobile websites001a
• Software that enables you to view files in the Portable Document Format ('PDF').

Because some Communications will be sent by email, you must also provide us with a current email address as part of your application. If this address changes, please contact us (see below for address and instructions).

1. You may print any Communication by using the 'Print' button (or otherwise using the printing functionality on your computer or device). You may retain a copy of a Communication by saving to your computer or device.
2. You may request a paper copy of any Communication by sending your request by mail (see below for address). Please provide your complete name, date of account application (if known), address to which you would like the copies mailed, and describe the Documents you want.

Contacting Hanmi Bank

To contact Hanmi Bank, please give us a call at (855) 773-8778 or email to callcenter@hanmi.com with the following details:

• Type of request, e.g. change of email address, request for printed copies of disclosures, etc.)
• Any other details relating to your request

Federal law:

You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the Federal Electronic Signature in Global and National Commerce Act, and that you and we both intend that the Act applies to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination and Changes:

We reserve the right, in our sole discretion, to terminate or change the terms and conditions on which we provide electronic Communication. We will provide you with notice of any termination or change as required by law.

U.S. Bank offers a variety of terms for its certificates of deposit; however, the bank’s rates are lackluster by and large.

Us Bank Cd Rates Current

The bank offers standard CDs with terms ranging from one month to 60 months. It also offers several special CDs. While its promotional CDs have more compelling rates, you can still find higher rates elsewhere. Even some online savings accounts will pay you more interest.

U.S. Bank earned a 2.7 out of 5 in Bankrate's overall rating.

U.S. Bank CD rates

Here's more information about U.S. Bank's standard CD rates.

Here's more information about U.S. Bank's special CD rates.

Gallery: 6 Reasons Why Your Second Stimulus Check Might Be Delayed (Kiplinger)

Note: The APYs (Annual Percentage Yield) shown are as of Jan. 14, 2021. The APYs for some products may vary by region.

How U.S. Bank CD rates compare to top-yielding banks

Compared to other banks, U.S. Bank's CD rates leave a lot to be desired. You can currently find competitors paying around 0.65 percent APY on 12-month CDs.

The only relatively competitive CDs that U.S. Bank offers are its promotional CDs. If you want a CD with a promotional term, U.S. Bank's options might be worth considering. But you can still find CDs offered by other banks, like Live Oak Bank or Marcus by Goldman Sachs, offering juicer rates. These banks offer higher APYs, helping you reach your financial goals sooner.

Other savings options at U.S. Bank

Best 1 Year Cd Rates

On top of its standard CDs, U.S. Bank also offers Step Up or Trade Up CDs.

Best Cd Rates Local Banks

The Step Up CD gives you an automatic interest rate increase every seven months during the CD's 28-month term. The Trade Up CD, meanwhile, lets you boost your rate at one time of your choosing during the CD's life.

You could also consider the bank's savings or money market account options.