APY on $10,000
0.00%
As of Nov 8, 2026. Rates are variable.
U.S. Bank · Money market account
U.S. Bank Elite Money Market
$0 a year on $10,000 at today’s 0.00% APY. $10 a month. $100 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer document · it03.usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $120
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer document · it03.usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · it03.usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · usbank.com
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#90of 174 money market accounts, by a year’s value on $10,000
All 174 money market accounts, rankedFeatures
- Bill pay
- Branch access
- Check writing
- Debit card
- Interest bearing
- Online opening
- Spending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $9,999.99
- 0.01%
- $10,000 to $24,999.99
- 0.01%
- $25,000 to $49,999.99
- 0.05%
- $50,000 to $99,999.99
- 0.05%
- $100,000 to $499,999.99
- 0.05%
- $500,000 and up
- 0.05%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $25,000usbank.com, checked Nov 8, 2026
- To earn the APY
- Deposit at least $25,000 within 30 days of account opening and maintain a minimum daily balance of at least $25,000 each day thereafter.usbank.com, checked Nov 8, 2026
- Interest compounds
- Compounded daily, credited to account monthlyusbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $10 a monthit03.usbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Maintain a $10,000 minimum daily balance in your Elite Money Market Account
- Be an account owner on a U.S. Bank Smartly® Checking account with Smart Rewards® Gold Tier or higher
- Minimum to open
- $100usbank.com, checked Nov 8, 2026
- Overdraft fee
- $36it03.usbank.com, checked Nov 8, 2026
- Overdraft transfer fee
- $12.50it03.usbank.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 3it03.usbank.com, checked Nov 8, 2026
- ATM network
- MoneyPassusbank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2.50it03.usbank.com, checked Nov 8, 2026
- International ATM fee
- $2.50it03.usbank.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 3%it03.usbank.com, checked Nov 8, 2026
- Incoming domestic wire
- $20usbank.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30usbank.com, checked Nov 8, 2026
- Incoming international wire
- $25usbank.com, checked Nov 8, 2026
- Outgoing international wire
- $50usbank.com, checked Nov 8, 2026
- Paper statements
- Noneit03.usbank.com, checked Nov 8, 2026
- Inactivity fee
- $5it03.usbank.com, checked Nov 8, 2026
- Cashier’s check
- $10usbank.com, checked Nov 8, 2026
- Stop payment
- $35usbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money