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    Personal Banking in the USA

    Est 1852 and operating in 39 states as well as DC, Wells Fargo has one of the largest presences in the country with 9000 branches. It offers check, savings, CDs, credit and loan products.Learn More

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    Moving your banking to the USA

    Offering products and services in 160 countries, Citibank has today a US network of over 1000 branch across 13 states since it began back in 1812 Find Out More

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    High Net Worth Banking in the USA

    Est. 1784 it provides specialist services for high net worth individuals including wealth protection, alternative investment services and asset management . Learn More

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    Business Banking in the USA

    Est. 1799, Chase caters to SMEs as well as corporations, municipalities and non profits. It offers business accounts, financing, investment and merchant services. Find Out More

Rates

Using Average Inflation from Civ.gov at 3.1%(2011)/2.0%(2012)
Deposit Account Term APY APY minus Inflation
MetLife Bank 2 Year CD Rates2 year1.20%-1.35% Sep, 2014
MetLife Bank 1 Year CD Rates1 year1.10%-1.45% Sep, 2014
PenFed 1 Year CD Rates1 year1.06%-1.49% Sep, 2014
CHASE 10 Year CD Rates10 year1.05%-1.5% Sep, 2014
Discover Bank 1 Year CD Rates1 year1.00%-1.55% Sep, 2014
Ally Bank 1 Year CD Rates1 year1.00%-1.55% Sep, 2014
SECU 1 Year CD1 year1.00%-1.55% Sep, 2014
Navy Federal Credit Union 1 Year CD Rates1 year0.85%-1.7% Sep, 2014
USAA 1 Year CD Rates1 year0.76%-1.79% Sep, 2014
Ameriprise 1 Year CD Rates1 year0.70%-1.85% Sep, 2014
MetLife Bank 6 Month CD Rates6 month0.65%-0.625% Sep, 2014
Vanguard 1 Year CD Rates1 year0.65%-1.9% Sep, 2014
Sovereign Bank 1 Year CD Rates1 year0.60%-1.95% Sep, 2014
Fidelity 1 Year CD Rates1 year0.60%-1.95% Sep, 2014
Edward Jones 1 Year CD Rates1 year0.55%-2% Sep, 2014
American Express Bank 1 Year CD Rates1 year0.55%-2% Sep, 2014
BBVA Compass 1 Year CD Rates1 year0.45%-2.1% Sep, 2014
PNC 2 Year CD Rates2 year0.43%-2.12% Sep, 2014
American Express Bank 6 Month CD6 month0.40%-0.875% Sep, 2014
Capital One 6 Month CD Rates6 month0.40%-0.875% Sep, 2014
ING Direct USA 1 Year CD Rates1 year0.40%-2.15% Sep, 2014
MetLife Bank 3 Month CD Rates3 month0.35%-0.2875% Sep, 2014
Bank of China USA 1 Year CD Rates1 year0.35%-2.2% Sep, 2014
CHASE 2 Year CD Rates2 year0.30%-2.25% Sep, 2014
Citizens Bank 2 Year CD Rates2 year0.25%-2.3% Sep, 2014
Fifth Third Bank 1 Year CD Rates1 year0.25%-2.3% Sep, 2014
Rabobank America 1 Year CD Rates1 year0.25%-2.3% Sep, 2014
Citibank 2 Year CD Rates2 year0.25%-2.3% Sep, 2014
PNC 1 Year CD Rates1 year0.22%-2.33% Sep, 2014
Citibank 1 Year CD Rates1 year0.20%-2.35% Sep, 2014
Bank of America 5 Year CD Rates5 year0.15%-2.4% Sep, 2014
Bank of America 10 Year CD Rates10 year0.15%-2.4% Sep, 2014
Union Bank 1 Year CD Rates1 year0.15%-2.4% Sep, 2014
TD Bank 6 Month CD Rates6 month0.15%-1.125% Sep, 2014
PNC 6 Month CD Rates6 month0.14%-1.135% Sep, 2014
BMO Harris Bank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
US Bank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
KeyBank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
Regions Bank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
Bank of America 2 Year CD Rates2 year0.10%-2.45% Sep, 2014
Citibank 6 Month CD Rates6 month0.10%-1.175% Sep, 2014
PNC 3 Month CD Rates3 month0.09%-0.5475% Sep, 2014
Wells Fargo 1 Year CD Rates1 year0.05%-2.5% Sep, 2014
CHASE 1 Year CD Rates1 year0.05%-2.5% Sep, 2014
Bank of America 1 Year IRA CD Rates1 year0.05%-2.5% Sep, 2014
Citibank 3 Month CD Rates3 month0.05%-0.5875% Sep, 2014
Bank of America 6 Month CD Rates6 month0.03%-1.245% Sep, 2014
Bank of America 3 Month CD Rates3 month0.03%-0.6075% Sep, 2014
Charles Schwab 1 Year CD Rates1 year0.03%-2.52% Sep, 2014
CHASE 6 Month CD Rates6 month0.02%-1.255% Sep, 2014
Wells Fargo 6 Month CD Rates6 month0.01%-1.265% Sep, 2014
Wells Fargo 3 Month CD Rates3 month0.01%-0.6275% Sep, 2014
HSBC USA 1 Year CD Rates1 year0.01%-2.54% Sep, 2014

Economy

Compare Bank Account Rates in the United States USA

With a population of 310.6 million (Est 2010) the US economy was ranked 1st in the world with a GDP PPP of 14.2 trillion according to the IMF in 2009. Its GDP PPP per capita was $45,934 which ranks 6th in the world. The US central bank the Federal Reserve has set its interest rate at 0.25%. According to CIA.gov its inflation was 3.8% in 2008 and -0.3% in 2009. Bank deposit accounts held for a fixed term and interest rate in the United States (USA) are called certificates of deposit or more commonly known as CD rates. Non fixed term and variable interest bearing products may include checking, savings and mma accounts.

US Consumer Savings and Bank Deposit Protection

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States established in 1933. Its role is to protect the funds depositors put into banks and savings associations and since its inception no depositor has yet to lose FDIC-insured funds. The FDIC covers deposit accounts including certificates of deposit (CDs), money market deposit accounts, savings accounts and checking accounts.

Remember if you are only with one bank, FDIC deposit limits are $250,000 per depositor, per insured bank, for each account ownership category. So for a single account owned by one person it is $250,000 per owner.

https://www.fdic.gov/edie/calculator.html (Calculate your coverage by your bank)

Highest Account Deposit Interest Rates

Using Average Inflation from Civ.gov at 3.1%(2011)/2.0%(2012)
Deposit Account Term APY APY minus Inflation
MetLife Bank 2 Year CD Rates2 year1.20%-1.35% Sep, 2014
MetLife Bank 1 Year CD Rates1 year1.10%-1.45% Sep, 2014
PenFed 1 Year CD Rates1 year1.06%-1.49% Sep, 2014
CHASE 10 Year CD Rates10 year1.05%-1.5% Sep, 2014
Discover Bank 1 Year CD Rates1 year1.00%-1.55% Sep, 2014
Ally Bank 1 Year CD Rates1 year1.00%-1.55% Sep, 2014
SECU 1 Year CD1 year1.00%-1.55% Sep, 2014
Navy Federal Credit Union 1 Year CD Rates1 year0.85%-1.7% Sep, 2014
USAA 1 Year CD Rates1 year0.76%-1.79% Sep, 2014
Ameriprise 1 Year CD Rates1 year0.70%-1.85% Sep, 2014
MetLife Bank 6 Month CD Rates6 month0.65%-0.625% Sep, 2014
Vanguard 1 Year CD Rates1 year0.65%-1.9% Sep, 2014
Sovereign Bank 1 Year CD Rates1 year0.60%-1.95% Sep, 2014
Fidelity 1 Year CD Rates1 year0.60%-1.95% Sep, 2014
Edward Jones 1 Year CD Rates1 year0.55%-2% Sep, 2014
American Express Bank 1 Year CD Rates1 year0.55%-2% Sep, 2014
BBVA Compass 1 Year CD Rates1 year0.45%-2.1% Sep, 2014
PNC 2 Year CD Rates2 year0.43%-2.12% Sep, 2014
American Express Bank 6 Month CD6 month0.40%-0.875% Sep, 2014
Capital One 6 Month CD Rates6 month0.40%-0.875% Sep, 2014
ING Direct USA 1 Year CD Rates1 year0.40%-2.15% Sep, 2014
MetLife Bank 3 Month CD Rates3 month0.35%-0.2875% Sep, 2014
Bank of China USA 1 Year CD Rates1 year0.35%-2.2% Sep, 2014
CHASE 2 Year CD Rates2 year0.30%-2.25% Sep, 2014
Citizens Bank 2 Year CD Rates2 year0.25%-2.3% Sep, 2014
Fifth Third Bank 1 Year CD Rates1 year0.25%-2.3% Sep, 2014
Rabobank America 1 Year CD Rates1 year0.25%-2.3% Sep, 2014
Citibank 2 Year CD Rates2 year0.25%-2.3% Sep, 2014
PNC 1 Year CD Rates1 year0.22%-2.33% Sep, 2014
Citibank 1 Year CD Rates1 year0.20%-2.35% Sep, 2014
Bank of America 5 Year CD Rates5 year0.15%-2.4% Sep, 2014
Bank of America 10 Year CD Rates10 year0.15%-2.4% Sep, 2014
Union Bank 1 Year CD Rates1 year0.15%-2.4% Sep, 2014
TD Bank 6 Month CD Rates6 month0.15%-1.125% Sep, 2014
PNC 6 Month CD Rates6 month0.14%-1.135% Sep, 2014
BMO Harris Bank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
US Bank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
KeyBank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
Regions Bank 1 Year CD Rates1 year0.10%-2.45% Sep, 2014
Bank of America 2 Year CD Rates2 year0.10%-2.45% Sep, 2014
Citibank 6 Month CD Rates6 month0.10%-1.175% Sep, 2014
PNC 3 Month CD Rates3 month0.09%-0.5475% Sep, 2014
Wells Fargo 1 Year CD Rates1 year0.05%-2.5% Sep, 2014
CHASE 1 Year CD Rates1 year0.05%-2.5% Sep, 2014
Bank of America 1 Year IRA CD Rates1 year0.05%-2.5% Sep, 2014
Citibank 3 Month CD Rates3 month0.05%-0.5875% Sep, 2014
Bank of America 6 Month CD Rates6 month0.03%-1.245% Sep, 2014
Bank of America 3 Month CD Rates3 month0.03%-0.6075% Sep, 2014
Charles Schwab 1 Year CD Rates1 year0.03%-2.52% Sep, 2014
CHASE 6 Month CD Rates6 month0.02%-1.255% Sep, 2014
Wells Fargo 6 Month CD Rates6 month0.01%-1.265% Sep, 2014
Wells Fargo 3 Month CD Rates3 month0.01%-0.6275% Sep, 2014
HSBC USA 1 Year CD Rates1 year0.01%-2.54% Sep, 2014