アメリカ合衆国における銀行預金金利の比較

アメリカ合衆国は人口3.1億人(2010年推計)を抱える国である。2009年の国際通貨基金(IMF)による統計によると、購買力平価ベースのGDP は世界第1位の14.2兆ドルであり、一人当たりのGDPは45934ドルで世界第6位である。ある。中央銀行であるFRBの政策金利は0.25%と設定されており、これらは定期預金であるサーティフィケート・オブ・デポジット(CD)に適用される。中央情報局の調べによると、インフレ率は2008年には3.8%、2009年には-0.3% となっている。

アメリカにおける消費者貯蓄と預金保護

連邦預金保険公社(FDIC) は1933年に設立された米国政府の独立機関である。預金者保護を役割とし、金融機関の財産管理や、銀行破たん時には預金者に対する支払などを行う。保険対象となるのは定期預金(CD)・当座預金・普通預金・譲与可能払戻指図書などである。補償されるのは、1銀行1名義人あたり25万ドルを上限としている。預金者は下記のサイトで保険対象額の計算ができる。

http://www.fdic.gov/edie/calculator.html  FDICのウェブサイト(英語)

アメリカ合衆国の銀行預金口座

銀行通貨期間利率

Edward Jones
USD6ヶ月n/aMay, 2020

Raymond James Bank
USD4 yearn/aAug, 2019

Suntrust Bank
USD58 monthn/aAug, 2019

NYCB
USD1年n/aNov, 2019

Edward Jones
USD10年n/aMay, 2020

Navy Federal Credit Union
USD7 year3.05%Aug, 2019

Security Service Federal Credit Union
USD7 Year3.00%Aug, 2019

Synchrony Bank
USD60 month2.80%Aug, 2019

Barclays US
USD5 year 2.75%Aug, 2019

Ally Bank
USD5年2.65%Aug, 2019

State Employees Credit Union
USD60 month2.65%Aug, 2019

Goldman Sachs Bank
USD6 Year2.65%Aug, 2019

TIAA Bank
USD5年2.60%Aug, 2019

State Farm Bank
USD5年2.60%Aug, 2019

Goldman Sachs Bank
USD5 Year2.60%Aug, 2019

Bank of India USA
USD1年2.60%Aug, 2019

Ally Bank
USD3 year2.55%Aug, 2019

Alliant Credit Union
USD5 year 2.55%Aug, 2019

Navy Federal Credit Union
USD2年2.55%Aug, 2019

Sallie Mae
USD1 Year2.55%Aug, 2019

Ally Bank
USD1年2.50%Aug, 2019

Security Service Federal Credit Union
USD2 Year2.50%Aug, 2019

SchoolsFirst Federal Credit Union
USD5 Years2.50%Feb, 2020

PenFed Federal Credit Union
USD7 year2.50%Aug, 2019

Barclays US
USD2 year 2.50%Aug, 2019

Synchrony Bank
USD1年2.50%Aug, 2019

Synchrony Bank
USD2年2.50%Aug, 2019

TIAA Bank
USD2年2.45%Aug, 2019

Goldman Sachs Bank
USD2 Year2.45%Aug, 2019

Barclays US
USD1 year 2.45%Aug, 2019

Alliant Credit Union
USD2年2.40%Aug, 2019

TIAA Bank
USD1年2.40%Aug, 2019

Navy Federal Credit Union
USD1年2.40%Aug, 2019

Goldman Sachs Bank
USD1年2.40%Aug, 2019

Alliant Credit Union
USD1年2.35%Aug, 2019

TIAA Bank
USD6ヶ月2.35%Aug, 2019

State Employees Credit Union
USD2年2.30%Aug, 2019

Santander
USD3 year2.30%Aug, 2019

PenFed Federal Credit Union
USD2年2.30%Aug, 2019

Bank of India USA
USD6ヶ月2.25%Aug, 2019

State Farm Bank
USD2年2.25%Aug, 2019

CIT Bank
USD1 year 2.20%Aug, 2019

TIAA Bank
USD3ヶ月2.15%Aug, 2019

Star One Credit Union
USD2年2.15%Aug, 2019

State Farm Bank
USD1年2.15%Aug, 2019

Bank of India USA
USD3ヶ月2.10%Aug, 2019

SchoolsFirst Federal Credit Union
USD1 Year2.10%Feb, 2020

BMO Harris Bank
USD1年2.10%Aug, 2019

BMO Harris Bank
USD6ヶ月2.10%Aug, 2019

Star One Credit Union
USD1年2.10%Aug, 2019

Raymond James Bank
USD5年2.10%Aug, 2019

First Republic
USD5年2.05%Aug, 2019

State Employees Credit Union
USD1年2.05%Aug, 2019

Star One Credit Union
USD6ヶ月2.05%Aug, 2019

Santander
USD15 month2.05%Aug, 2019

First Republic
USD6 year2.05%Aug, 2019

Navy Federal Credit Union
USD6ヶ月2.05%Aug, 2019

San Diego County Credit Union
USD60 month2.05%Feb, 2020

Bangor Savings Bank
USD5年2.02%Aug, 2019

Bank Leumi USA
USD1年2.00%Aug, 2019

Vanguard Group
USD10年2.00%Dec, 2019

Suntrust Bank
USD24 month2.00%Aug, 2019

Security Service Federal Credit Union
USD1 Year2.00%Aug, 2019

PenFed Federal Credit Union
USD1年2.00%Aug, 2019

Suntrust Bank
USD1年2.00%Aug, 2019

The Golden 1 Credit Union
USD60 Month2.0%Aug, 2019

Bangor Savings Bank
USD3 year1.97%Aug, 2019

Bangor Savings Bank
USD4 year1.97%Aug, 2019

Raymond James Bank
USD1年1.95%Aug, 2019

Bangor Savings Bank
USD2年1.92%Aug, 2019

Bank of India USA
USD1ヶ月1.90%Aug, 2019

Capital One
USD1年1.90%Feb, 2020

PenFed Federal Credit Union
USD6ヶ月1.90%Aug, 2019

Zions Bank
USD5年1.87%Aug, 2019

First Republic
USD2年1.85%Aug, 2019

BECU
USD1 year 1.81%Aug, 2019

Fidelity
USD5年1.80%Feb, 2020

Capital One
USD2年1.80%Feb, 2020

Bank of Oklahoma
USD7 year1.80%Aug, 2019

Bangor Savings Bank
USD1年1.77%Aug, 2019

Zions Bank
USD4 year1.77%Aug, 2019

Arvest Bank
USD2年1.76%Aug, 2019

Vanguard Group
USD2年1.75%Dec, 2019

Vanguard Group
USD3ヶ月1.75%Dec, 2019

Vanguard Group
USD6ヶ月1.75%Dec, 2019

Vanguard Group
USD1年1.75%Dec, 2019

Fidelity
USD3 year1.75%Feb, 2020

Webster Bank
USD3 year1.75%Aug, 2019

Webster Bank
USD5年1.75%Aug, 2019

Security Service Federal Credit Union
USD6 Month1.75%Aug, 2019

Gate City Bank
USD2年1.75%Aug, 2019

Woodforest Bank
USD5年1.71%Feb, 2020

CIT Bank
USD5 year 1.70%Aug, 2019

Fidelity
USD2年1.70%Feb, 2020

Fidelity
USD1年1.70%Feb, 2020

Zions Bank
USD3 year1.66%Aug, 2019

Capital One
USD4 year1.65%Feb, 2020

Capital One
USD3 year1.65%Feb, 2020

Arvest Bank
USD1年1.61%Aug, 2019

Zions Bank
USD2年1.61%Aug, 2019

Bangor Savings Bank
USD6ヶ月1.61%Aug, 2019

Discover Bank
USD10年1.60%Apr, 2020

Discover Bank
USD5年1.60%Apr, 2020

American Express Bank
USD5 year 1.60%Apr, 2020

Fidelity
USD6ヶ月1.60%Feb, 2020

Fidelity
USD3ヶ月1.60%Feb, 2020

Capital One
USD5年1.60%Feb, 2020

Ameriprise Financial
USD3 year 1.60%Jan, 2020

Gate City Bank
USD1年1.60%Aug, 2019

Woodforest Bank
USD4 year1.56%Feb, 2020

Discover Bank
USD2年1.55%Apr, 2020

Bank of Baroda USA
USD10年1.55%Apr, 2020

Bank of Baroda USA
USD5年1.55%Apr, 2020

Woodforest Bank
USD3 year1.51%Feb, 2020

Zions Bank
USD1年1.51%Aug, 2019

CIT Bank
USD4 year 1.50%Aug, 2019

Discover Bank
USD1年1.50%Apr, 2020

First Republic
USD1 year 1.50%Aug, 2019

American Express Bank
USD2年1.50%Apr, 2020

MTB
USD3 year1.50%Aug, 2019

MTB
USD2年1.50%Aug, 2019

MTB
USD1年1.50%Aug, 2019

Bank of Baroda USA
USD1年1.50%Apr, 2020

ING Direct USA
USD1年1.50%Apr, 2020

TD Bank
USD6ヶ月1.50%Aug, 2019

Woodforest Bank
USD2年1.46%Feb, 2020

Cathay Bank
USD3 year1.46%Feb, 2020

Bank of Hawaii
USD1年1.45%Aug, 2019

First National Bank Alaska
USD1年1.45%Aug, 2019

First National Bank Alaska
USD5年1.45%Aug, 2019

Woodforest Bank
USD1年1.41%Feb, 2020

Arvest Bank
USD6ヶ月1.41%Aug, 2019

Ameriprise Financial
USD2年1.40%Jan, 2020

BBVA Compass
USD1年1.40%Feb, 2020

First Hawaiian Bank
USD2年1.40%Aug, 2019

CIT Bank
USD2 year 1.40%Aug, 2019

Ameriprise Financial
USD1年1.35%Jan, 2020

San Diego County Credit Union
USD2年1.35%Feb, 2020

Bangor Savings Bank
USD3ヶ月1.31%Aug, 2019

Citizens Bank
USD2年1.30%Aug, 2019

CIT Bank
USD3 year 1.30%Aug, 2019

Ameriprise Financial
USD6ヶ月1.30%Jan, 2020

HSBC USA
USD2年1.30%Aug, 2019

Ally Bank
USD9 month1.25%Aug, 2019

City National Bank
USD5 year 1.25%Aug, 2019

KeyBank
USD10年1.25%Aug, 2019

Navy Federal Credit Union
USD3ヶ月1.25%Aug, 2019

TD Bank
USD1 Year1.20%Aug, 2019

The Golden 1 Credit Union
USD2 Year1.15%Aug, 2019

City National Bank
USD4 year 1.15%Aug, 2019

Ameriprise Financial
USD3ヶ月1.15%Jan, 2020

San Diego County Credit Union
USD1年1.15%Feb, 2020

First National Bank Alaska
USD2年1.10%Aug, 2019

Bank of Oklahoma
USD1年1.05%Aug, 2019

City National Bank
USD3 year1.04%Aug, 2019

PNC
USD10年1.00%Aug, 2019

PNC
USD7 year1.00%Aug, 2019

Ally Bank
USD6ヶ月1.00%Aug, 2019

First Republic
USD6ヶ月1.00%Aug, 2019

BBVA Compass
USD3 year1.00%Feb, 2020

Synchrony Bank
USD6ヶ月1.00%Aug, 2019

PNC
USD4 year0.95%Aug, 2019

PNC
USD5年0.95%Aug, 2019

Woodforest Bank
USD6ヶ月0.95%Feb, 2020

The Golden 1 Credit Union
USD1 Year0.95%Aug, 2019

HSBC USA
USD1年0.95%Aug, 2019

Bank of China USA
USD4 year0.91%Aug, 2019

USAA
USD2年0.91%May, 2020

City National Bank
USD2年0.90%Aug, 2019

Cathay Bank
USD2年0.90%Feb, 2020

PNC
USD3 year0.85%Aug, 2019

SchoolsFirst Federal Credit Union
USD1 Month0.85%Feb, 2020

Bank of Baroda USA
USD6ヶ月0.85%Apr, 2020

TD Bank
USD5 Year0.80%Aug, 2019

City National Bank
USD1年0.80%Aug, 2019

Edward Jones
USD5年0.80%May, 2020

San Diego County Credit Union
USD6ヶ月0.80%Feb, 2020

Cathay Bank
USD1年0.80%Feb, 2020

Rabobank America
USD5年0.80%Aug, 2019

Capital One
USD9 month0.80%Feb, 2020

PNC
USD2年0.75%Aug, 2019

Ally Bank
USD3ヶ月0.75%Aug, 2019

First Republic
USD3ヶ月0.75%Aug, 2019

HSBC USA
USD6ヶ月0.75%Aug, 2019

Bank of Baroda USA
USD3ヶ月0.75%Apr, 2020

BMO Harris Bank
USD5年0.75%Aug, 2019

Synchrony Bank
USD3ヶ月0.75%Aug, 2019

US Bank
USD5年0.75%Dec, 2019

CIT Bank
USD6ヶ月0.72%Aug, 2019

Discover Bank
USD9 month0.70%Apr, 2020

USAA
USD1年0.70%May, 2020

Discover Bank
USD6ヶ月0.65%Apr, 2020

Barclays US
USD6ヶ月0.65%Aug, 2019

Security Service Federal Credit Union
USD3 Month0.65%Aug, 2019

Bank of Baroda USA
USD1ヶ月0.65%Apr, 2020

TD Bank
USD2 Year0.65%Aug, 2019

The Golden 1 Credit Union
USD6ヶ月0.65%Aug, 2019

San Diego County Credit Union
USD3ヶ月0.65%Feb, 2020

Bank of China USA
USD2年0.63%Aug, 2019

Zions Bank
USD6ヶ月0.60%Aug, 2019

Edward Jones
USD2年0.60%May, 2020

American Express Bank
USD1年0.60%Apr, 2020

Capital One
USD6ヶ月0.60%Feb, 2020

Cathay Bank
USD6ヶ月0.60%Feb, 2020

Goldman Sachs Bank
USD6 Month0.60%Aug, 2019

Huntington Bank
USD5年0.55%Aug, 2019

First Tennessee
USD5年0.55%Aug, 2019

Union Bank
USD60 month0.50%Aug, 2019

Suntrust Bank
USD6ヶ月0.50%Aug, 2019

Fifth Third Bank
USD5年0.50%Aug, 2019

Regions Bank
USD72 month0.50%Aug, 2019

US Bank
USD4 year0.50%Dec, 2019

Cathay Bank
USD3ヶ月0.50%Feb, 2020

BMO Harris Bank
USD4 year0.50%Aug, 2019

USAA
USD7 year0.49%May, 2020

Commerce Bank
USD5年0.45%Aug, 2019

Woodforest Bank
USD3ヶ月0.40%Feb, 2020

BMO Harris Bank
USD3 year0.40%Aug, 2019

City National Bank
USD6ヶ月0.40%Aug, 2019

American Express Bank
USD6ヶ月0.40%Apr, 2020

Fifth Third Bank
USD4 year0.40%Aug, 2019

The Golden 1 Credit Union
USD3ヶ月0.40%Aug, 2019

Commerce Bank
USD4 year0.40%Aug, 2019

Bank of China USA
USD1年0.38%Aug, 2019

USAA
USD182 day0.36%May, 2020

Discover Bank
USD3ヶ月0.35%Apr, 2020

Commerce Bank
USD3 year0.35%Aug, 2019

Huntington Bank
USD4 year0.35%Aug, 2019

Barclays US
USD3ヶ月0.35%Aug, 2019

Cathay Bank
USD1ヶ月0.35%Feb, 2020

US Bank
USD3 year0.35%Dec, 2019

First National Bank Alaska
USD6ヶ月0.31%Aug, 2019

Commerce Bank
USD2年0.30%Aug, 2019

Fifth Third Bank
USD3 year0.30%Aug, 2019

BMO Harris Bank
USD2年0.30%Aug, 2019

Rabobank America
USD1年0.30%Aug, 2019

Edward Jones
USD1年0.30%May, 2020

Rabobank America
USD2年0.30%Aug, 2019

Woodforest Bank
USD1ヶ月0.25%Feb, 2020

Regions Bank
USD2年0.25%Aug, 2019

Citibank
USD5年0.25%Apr, 2020

Citibank
USD4 year0.25%Apr, 2020

Citibank
USD1年0.25%Apr, 2020

Citibank
USD6ヶ月0.25%Apr, 2020

Commerce Bank
USD1年0.25%Aug, 2019

KeyBank
USD2年0.25%Aug, 2019

TD Bank
USD3ヶ月0.25%Aug, 2019

Frost Bank
USD1 Year0.25%May, 2020

PNC
USD1年0.24%Aug, 2019

First National Bank Alaska
USD3ヶ月0.21%Aug, 2019

Nevada State Bank
USD2年0.21%Aug, 2019

Bank of China USA
USD6ヶ月0.21%Aug, 2019

Zions Bank
USD3ヶ月0.20%Aug, 2019

Union Bank
USD2年0.20%Aug, 2019

Edward Jones
USD3ヶ月0.20%May, 2020

Wells Fargo
USD1年0.20%Apr, 2020

US Bank
USD2年0.20%Dec, 2019

Fifth Third Bank
USD2年0.20%Aug, 2019

Eastern Bank
USD1年0.20%Aug, 2019

Huntington Bank
USD3 year0.20%Aug, 2019

TCF Bank
USD16 Month0.20%Aug, 2019

First National Bank Alaska
USD1ヶ月0.16%Aug, 2019

Bank of America
USD8 year0.15%May, 2020

Bank of America
USD3 year0.15%May, 2020

Bank of America
USD10年0.15%May, 2020

Bank of America
USD5年0.15%May, 2020

Wells Fargo
USD6ヶ月0.15%Apr, 2020

Union Bank
USD1年0.15%Aug, 2019

Regions Bank
USD1年0.15%Aug, 2019

First Republic
USD1ヶ月0.15%Aug, 2019

Fifth Third Bank
USD1年0.15%Aug, 2019

KeyBank
USD1年0.15%Aug, 2019

Nevada State Bank
USD1年0.15%Aug, 2019

MTB
USD6ヶ月0.15%Aug, 2019

First Tennessee
USD2年0.15%Aug, 2019

Associated Bank
USD1年0.15%Aug, 2019

Bank of America
USD7 year0.15%May, 2020

Bank of America
USD4 year0.15%May, 2020

Bank of America
USD9 year0.15%May, 2020

Bank of America
USD6 year0.15%May, 2020

Huntington Bank
USD2年0.15% Aug, 2019

Rabobank America
USD180 day0.15%Aug, 2019

PNC
USD6ヶ月0.14%Aug, 2019

City National Bank
USD3ヶ月0.13%Aug, 2019

First Hawaiian Bank
USD1年0.13%Aug, 2019

Comerica Bank
USD1年0.10%Apr, 2020

Huntington Bank
USD1年0.10%Aug, 2019

Bank of China USA
USD3ヶ月0.10%Aug, 2019

Regions Bank
USD6ヶ月0.10%Aug, 2019

Citibank
USD9 month0.10%Apr, 2020

CHASE
USD4 year0.10%Aug, 2020

CHASE
USD3ヶ月0.10%Aug, 2020

CHASE
USD10年0.10%Aug, 2020

CHASE
USD2 month0.10%Aug, 2020

Commerce Bank
USD6ヶ月0.10%Aug, 2019

Wells Fargo
USD3ヶ月0.10%Apr, 2020

US Bank
USD1年0.10%Dec, 2019

First Hawaiian Bank
USD9 month0.10%Aug, 2019

First Tennessee
USD1年0.10%Aug, 2019

KeyBank
USD90 day0.10%Aug, 2019

KeyBank
USD6 month 0.10%Aug, 2019

KeyBank
USD30 day0.10%Aug, 2019

CHASE
USD3 year0.10%Aug, 2020

CHASE
USD1年0.10%Aug, 2020

CHASE
USD5年0.10%Aug, 2020

CHASE
USD6ヶ月0.10%Aug, 2020

Bank of America
USD2年0.10%May, 2020

CHASE
USD9 month0.10%Aug, 2020

CHASE
USD2年0.10%Aug, 2020

TCF Bank
USD1 Year0.10%Aug, 2019

Huntington Bank
USD6ヶ月0.10%Aug, 2019

Bank of China USA
USD1ヶ月0.10%Aug, 2019

PNC
USD3ヶ月0.09%Aug, 2019

USAA
USD91 day0.08%May, 2020

First Hawaiian Bank
USD6ヶ月0.08%Aug, 2019

USAA
USD30 day0.08%May, 2020

Rabobank America
USD91 day0.08%Aug, 2019

Nevada State Bank
USD6ヶ月0.07%Aug, 2019

Nevada State Bank
USD3ヶ月0.07%Aug, 2019

First Tennessee
USD6ヶ月0.06%Aug, 2019

PNC
USD1ヶ月0.05%Aug, 2019

BMO Harris Bank
USD3ヶ月0.05%Aug, 2019

Bank of America
USD1年0.05%May, 2020

Fifth Third Bank
USD1ヶ月0.05%Aug, 2019

Union Bank
USD32 day0.05%Aug, 2019

Citibank
USD3ヶ月0.05%Apr, 2020

Citibank
USD4 month0.05%Apr, 2020

Citibank
USD5 month0.05%Apr, 2020

Union Bank
USD90 day0.05%Aug, 2019

Nevada State Bank
USD1ヶ月0.05%Aug, 2019

US Bank
USD3ヶ月0.05%Dec, 2019

US Bank
USD6ヶ月0.05%Dec, 2019

Fifth Third Bank
USD2 month0.05%Aug, 2019

Fifth Third Bank
USD6ヶ月0.05%Aug, 2019

Fifth Third Bank
USD3ヶ月0.05%Aug, 2019

US Bank
USD1ヶ月0.05%Dec, 2019

BMO Harris Bank
USD2 month0.05%Aug, 2019

BMO Harris Bank
USD1ヶ月0.05%Aug, 2019

Rabobank America
USD30 day0.05%Aug, 2019

Commerce Bank
USD3ヶ月0.05%Aug, 2019

Union Bank
USD180 day0.05%Aug, 2019

Comerica Bank
USD6ヶ月0.04%Apr, 2020

Bank of America
USD2 month0.03%May, 2020

Bank of America
USD1ヶ月0.03%May, 2020

Bank of America
USD9 month0.03%May, 2020

Charles Schwab
USD1年0.03%Aug, 2019

Charles Schwab
USD3ヶ月0.03%Aug, 2019

Charles Schwab
USD6ヶ月0.03%Aug, 2019

Comerica Bank
USD2 month0.03%Apr, 2020

Comerica Bank
USD1ヶ月0.03%Apr, 2020

Bank of America
USD6ヶ月0.03%May, 2020

Bank of America
USD4 month0.03%May, 2020

Bank of America
USD5 month0.03%May, 2020

Bank of America
USD3ヶ月0.03%May, 2020

Comerica Bank
USD3ヶ月0.03%Apr, 2020

Charles Schwab
USD5 year 0.03%Aug, 2019

Charles Schwab
USD2 year 0.03%Aug, 2019

Regions Bank
USD1ヶ月0.03%Aug, 2019

CHASE
USD1ヶ月0.02%Aug, 2020

First Tennessee
USD3ヶ月0.02%Aug, 2019

First Tennessee
USD1ヶ月0.02%Aug, 2019

Huntington Bank
USD2 month0.01%Aug, 2019

Huntington Bank
USD1ヶ月0.01%Aug, 2019

Huntington Bank
USD3ヶ月0.01%Aug, 2019

Citibank
USD3 year 0.25%Apr, 2020

Citibank
USD2年 0.25%Apr, 2020