How many lenders are in the directory?

16 banks and credit unions, covering 29 loan products across auto, mortgage, personal, student, and business loans.

What does quote required mean?

The lender publishes no rate for that product - it prices individually by application, state, or through dealers. We show the label instead of inventing a number, and these products are never ranked.

How often are the rates updated?

November 2026 verification cycle. Most products were checked on November 1, 2026, with selected lender data re-checked on subsequent dates. Each product displays its individual verification date.

Can I apply for a loan through this site?

No. This site is not a lender or broker and does not accept loan applications. The official-site link on each card takes you to the lender itself.

Why do two credit unions top so many of your rankings?

Credit unions like Navy Federal and PenFed consistently publish some of the lowest rates we track. Note that Navy Federal membership is limited to the military community and their families; PenFed is open to the general public.

U.S. Bank loan rates & products

Written by Abdul Aleem, M.Com (Finance) · Rates snapshot: November 2026 · Our methodology

U.S. Bank offers 3 loan products tracked in our directory (2 verified, 1 quote-required). Figures below are the lender's published November 2026 starting rates — compare the true total cost, not just the headline rate. Compare all banks in one click.

U.S. Bank products — November 2026

Product	Type	Rate / APR	Terms	Status
U.S. Bank 30-Year Fixed	Mortgage	6.99% rate (7.17% APR)	180, 240, 360 mo	Verified Nov 1, 2026
U.S. Bank Auto Loan	Auto loan	6.81% APR	36, 48, 60, 72 mo	Verified Nov 1, 2026
U.S. Bank Business Loan	Business loan	Quote required	12, 24, 36, 48, 60, 84 mo	Quote required

Product details & disclosures

U.S. Bank 30-Year Fixed

Published example checked Nov 1, 2026: $405,000 loan, 25% down, FICO 740+, 0.930 points, 45-day lock; current as of 10/30/2026.

Discount points: 0.93% · Min. credit score: 620 · Loan amount: $50,000 – $2,000,000 · Source: Official lender website

U.S. Bank Auto Loan

Published as-low-as APR checked Nov 1, 2026 (up to 60 months); lowest needs 800+ credit, vehicle under 1 yr, $40,000+ loan, MN dealer; no as-of date shown on page.

Min. credit score: 660 · Loan amount: $5,000 – $100,000 · Source: Official lender website

U.S. Bank Business Loan

Publishes interest rates (not APR) for its secured Quick Loan — 7.99% to 11.99%, eff. Sep 28, 2026 (still current); term-loan APR by quote (checked Nov 1, 2026).

Min. credit score: 680 · Loan amount: $5,000 – $250,000

How we verify U.S. Bank rates

Every rate on this site is re-checked monthly against the lender's own website. November 2026: Rates on this page were verified against the lender’s own website in November 2026. Site-wide verification totals (29 products across 16 banks) are documented on our methodology page.rates. See our methodology for the full process, including how note rate vs APR, discount points, and origination fees are modeled.

Frequently asked questions

Are U.S. Bank rates on this page current?

Rates shown are published November 2026 rates, each checked against the lender's own website. Published rates are starting examples, not personalized offers — your actual rate depends on credit, income, and the loan scenario.

Does U.S. Bank require good credit?

Published starting rates generally assume strong credit. Where the lender discloses a minimum credit score, it is listed above. Check the lender's own disclosures for current eligibility requirements.

Are these personalized loan offers?

No. This page compares published lender information for education. It is not a lender, broker, or loan approval service, and nothing here is financial advice.

All 16 banks · One-click comparison · Mortgage calculator · Auto loan calculator · Personal loan calculator