HSBC Bank USA, National Association savings and CD rates
HSBC Bank USA, National Association's Premier Relationship Savings lists 0.05% APY on its own. With a linked account at the bank, it advertises 3.20% on balances of $1 or more.
On a $10,000 balance the account earns 0.05% overall, about $5 in a year, which is 0.33 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #280 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2621.
Estimate your earnings·What HSBC Bank USA, National Association actually pays
HSBC Bank USA, National Association at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 3.20% · Premier Relationship Savings · needs a linked account at the bank and at least $1 · 0.05% without the linked account |
| Minimum to open | not stated · Premier Relationship Savings |
| Against the national average | 2.82 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.35% · 24 months · New Money CD 24 Month · needs a linked account at the bank |
| Minimum to open | $1,000 · 24 months CD |
| Against the national average | 2.80 percentage points above the 1.55% FDIC 24-month CD average (Oct 2026) |
| FDIC certificate | 57890 · Tysons, VA |
|---|---|
| Website | www.about.us.hsbc.com/hsbc-in-the-usa |
| Branches | 41 branches across 6 states and DC |
| Availability | Available in 6 states and DC |
HSBC Bank USA, National Association savings and CD rates
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
HSBC Bank USA, National Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 6 months | 4.00% | $1,000 | Online CD 6 Month |
| 6 months | 4.10% | $1,000 | New Money CD 6 Month |
| 9 months | 4.20% | $1,000 | New Money CD 9 Month |
| 12 months | 4.20% | $1,000 | Online CD 12 Month |
| 12 months | 4.30% | $1,000 | New Money CD 12 Month |
| 24 months | 4.25% | $1,000 | Online CD 24 Month |
| 24 months | 4.35% | $1,000 | New Money CD 24 Month |
Interactive Tool
Calculate Savings for HSBC Bank USA, National Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$18.60(0.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What HSBC Bank USA, National Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 3.20% needs a linked account at the bank and a balance of at least $1. Without the linked account, the account advertises 0.05%.
In Q2 2026, HSBC Bank USA, National Association paid a higher average rate on savings and money market deposits than 57% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- HSBC Bank USA, National Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Premier Relationship Savings | Up to 3.20% | not stated | $1 | None | not stated | Linked account at the bank | Tiered | |
| Fine print: The Relationship APY applies during the introductory period. After it, the Relationship APY applies in the month after a month in which at least 1 qualification criterion is met, such as $500 or more in HSBC debit card purchases or payments. Otherwise the Standard APY applies. | ||||||||
| Premier Savings | Up to 0.15% | not stated | $0 | None | not stated | Linked account at the bank · direct deposit not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Online CD 6 Month | 6 months | 4.00% | $1,000 | not stated | not stated |
| New Money CD 6 Month | 6 months | 4.10% | $1,000 | not stated | not stated |
| New Money CD 9 Month | 9 months | 4.20% | $1,000 | not stated | not stated |
| Online CD 12 Month | 12 months | 4.20% | $1,000 | not stated | not stated |
| New Money CD 12 Month | 12 months | 4.30% | $1,000 | not stated | not stated |
| Online CD 24 Month | 24 months | 4.25% | $1,000 | not stated | not stated |
| New Money CD 24 Month | 24 months | 4.35% | $1,000 | not stated | not stated |
Fine print for 4 CDs above: The New Money CD can only be funded with New Money: deposits and investments not previously held by any member of the HSBC Group in the U.S.
Opening and using the account
| Availability | Available in 6 states and DC |
|---|---|
| Footprint | 41 branches across 6 states and DC |
| Eligibility | To open a Premier Relationship Savings account you must be an HSBC Premier client with a new or existing HSBC Premier checking account. |
How HSBC Bank USA, National Association behaves over time
- 12-month high
- 3.20%
- 12-month low
- 3.10%
- Advertised now
- 3.20%
- At the 12-month high
The advertised Premier Relationship Savings rate, observed through Nov 7, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Nov 4, 2026Online CD 24 MonthCut:4.40%to4.25%
- Obs. Nov 4, 2026Online CD 12 MonthCut:4.30%to4.20%
- Obs. Nov 4, 2026New Money CD 24 MonthCut:4.60%to4.35%
- Obs. Nov 4, 2026New Money CD 12 MonthCut:4.40%to4.30%
- Obs. Nov 4, 2026New Money CD 9 MonthCut:4.25%to4.20%
- 24 months CD
- Down 0.25 percentage points from 7 days ago.
$10,000 in HSBC Bank USA, National Association's Premier Relationship Savings earns 0.05% overall at the advertised rates, so it grows to $10,005 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,644 does today. See how the federal funds rate shapes savings rates.
- Premier Relationship Savings APY
- Banksparency savings index
HSBC Bank USA, National Association CD rates over time
Who is HSBC Bank USA, National Association?
| Headquarters | Tysons, VA |
|---|---|
| Founded | 2004 |
| Scale | $173.1B assets · $141.2B deposits, $110.5B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 57890 |
| Charter state | Virginia · one of 56 insured banks chartered there (Q2 2026, FDIC) |
| Size | 26th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 25% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What HSBC Bank USA, National Association pays on deposits above.
Common questions about HSBC Bank USA, National Association
Does the 3.20% apply to my whole balance?
The 3.20% needs a linked account at the bank and a balance of at least $1. Without the linked account, the account advertises 0.05%. Rates are as observed on Nov 7, 2026.
Is HSBC Bank USA, National Association FDIC insured?
Yes. HSBC Bank USA, National Association is FDIC insured under certificate 57890, so deposits are covered up to $250,000 per depositor, per ownership category.
Does HSBC Bank USA, National Association have branches?
Yes. HSBC Bank USA, National Association operates 41 branches according to FDIC branch records, in addition to its website and mobile apps.
HSBC Bank USA, National Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| HSBC Bank USA, National Association | Up to3.20% | 1.64% | not stated | 41 branches across 6 states and DC |
| Ally Bank | 3.20% | 3.03% | $0 | None for this account (online only) |
| American Express | 3.20% | 3.21% | $0 | None for this account (online only) |
| BankStar Financial | 3.20% | 1.95% | $25 | 3 branches in SD |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to HSBC Bank USA, National Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Virginia, nearest to HSBC Bank USA, National Association in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: savings rates in Virginia, CD rates in Virginia, banks in Virginia, and savings rates in California.