Bank, you’ll be better served by looking directly at the bank’s current CD Specials. This means if you’re interested in a CD from U.S. The rates on these promotional CDs are far higher than what U.S. Bank come in terms of 7 months, 11 months, 13 months and 19 months. The specials are subject to the same $250,000 maximum deposit.ĬD Specials from U.S. The bank pays somewhat better rates on what it calls its CD Specials, which require a higher $1,000 minimum deposit. However, their returns are low and investors would do better looking elsewhere to maximize their returns. Bank standard CDs require a minimum opening balance of $500, with a maximum deposit of $250,000, putting these CDs within reach for many savers.