United States Interest Rates

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.According to CIA.gov its inflation was 3.8% in 2008 and -0.3% in 2009.

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Showing rates for 99 Bank, 9 Credit Union and 3 P2P deposit providers in United States.
BankBranchFounded1 Year RateOwnership
Wells Fargo900018520.05%Local
Bank Of America532019040.05%Local
Capital One92519880.40%Local
BBVA Compass72019640.10%Foreign
Huntington Bank70018660.10%Local
Sovereign Bank7001902N/AForeign
BMO Harris Bank63818820.20%Foreign
Zions Bank50018730.30%Local
Comerica Bank4831849N/ALocal
The US is a diversified banking market that includes very large national banks, regional banks, state banks and local banks with a significant amount of competition in some markets. In addition their also include credit unions and alternative P2P lending providers.

Largest Banks in the US
In the US market overall, the banking sector is dominated by major banks such as Citibank (15 States), Chase (26 States), Bank of America (35 States), Wells Fargo (42 States) and PNC Bank (21 States) with these banks containing a significant amount of assets and deposits as well as ATMs and Branches for the US market.

Regional and Local banks in the US
While the above 5 banks dominate the US market overall, they are not present in every state and the US banking market in general tends to be diversified and more regionally focused with other banks dominating specific states.

For example the following states are branch dominated by:
Regions bank (Alabama and Mississippi, Tennessee)
Arvast Bank (Arkansas and Oklahoma)
People's United Bank (Connecticut and Vermont)
Bank of Hawaii (Hawaii)
US Bank (Idaho, Iowa, Kentucky, Missouri, Oregon)
Commerce Bank (Kansas)
Bangor Savings Bank( Maine
Citizens Bank in Massachusetts and New Hampshire, Rhode Island
The Huntington National Bank in Michigan and Ohio
Glacier Bank Montana
Pinnacle Bank Nebraska
BB&T North Carolina, Virginia, West Virginia
Gate City Bank in North Dakota
First-Citizens Bank & Trust  South Carolina
BMO Harris Bank Wisconsin

Foreign Banks
HSBC and TD Bank are the most well known foreign bank subsidiaries in the US serving the East Coast.

Credit Unions
While individually the approximately 7,000 credit unions can vary from being small to large, in aggregate credit unions in the United States serve about 100 million members. Examples include the NFCU (Navy Federal Credit Union) and the SECU (State Employees’ Credit Union). Some Credit Unions are part of a CU Service Center network, which can allow its members to perform transactions at a credit union within the network and which could have access to nearly 5,000 branches across the country.

P2P Lending
In the US, P2P lending providers such as Prosper and Lending Club provide an additional opportunity for the personal loans segment of the market.

In the US regulators include the Federal Reserve System, FDIC ( Federal Deposit Insurance Corporation), Office of the Comptroller of the Currency and the federal credit unions by the NCUA (National Credit Union Administration)