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Refinancing
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Refinance points are similar to standard mortgage points. They are a form of prepaid interest you can choose to pay up front in exchange for a lower rate.

At U.S. Bank, our years of industry expertise and breadth of product options aren’t all we have to offer. If you have an existing U.S. Bank first mortgage, a U.S. Bank Smartly™ Checking account or an existing Gold or Platinum Checking Package, you may be eligible for a customer credit5 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $1,000.6 This offer is not valid on a Smart Refinance.

All Services By US Bank

Altitude® Connect Visa Signature® Card service icon
5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. 4X points on travel, gas stations and EV charging stations. 2X points at grocery stores, grocery delivery, dining and streaming services. 1X point on all other eligible purchases.
Interest Rate: 20.49 % - 28.49 %
Altitude® Go Secured Visa® Card service icon
4X points on dining, takeout and restaurant delivery. 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations. 1X point on all other eligible purchases. Plus, a $15 credit for annual streaming service purchases such as Netflix and Spotify®.
Altitude® Go Visa Signature® Card service icon
4X points on dining, takeout and restaurant delivery. 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations. 1X point on all other eligible purchases, Plus, a $15 credit for annual streaming service purchases such as Netflix and Spotify®.
Interest Rate: 19.49 % - 28.49 %
Altitude® Reserve Visa Infinite® Card service icon
5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. 3X points on travel and mobile wallet purchases. 1X point on all other eligible purchases.
Interest Rate: 21.49 % - 28.49 %
Boat Loans and Boat Financing service icon
Get off dry land with loans of up to $150,000 on new and used boats. Stay afloat with competitive new and used boat loan rates.
Business Altitude Connect World Elite Mastercard® service icon
5X points on prepaid hotel and car rentals booked directly in the Rewards Center. 4X points on travel, including airfare, hotels, gas and EV charging stations, up to $150,000 in combined annual spend.
Business CDs service icon
Earn higher rates when you save for the long term. Choose longer terms to maximize your business savings.
Business Credit Line service icon
For sudden expenses, cash-flow needs and major purchases, a line of credit allows you quick, easy access to your available funds.
Business Leverage® Visa Signature® Card service icon
Earn 2% back in the top two categories where you spend the most each month automatically and 1% back per dollar spent on all other eligible purchases.
Business money market accounts service icon
Maximize your earnings with a business money market account.
Business Platinum Card service icon
Enjoy a competitive introductory rate, purchasing power and business control.
Interest Rate: 16.49 % - 25.49 %
Business savings accounts service icon
A flexible way to manage your extra cash. Convenient, secure access to your money when you need it.
Business Term Loan service icon
Conventional financing Up to $1 million. Secured by business assets with Fixed interest rates.
Cash+® Secured Visa® Card service icon
Up to 5% cash back on two categories you choose. 2% cash back on one everyday category. 1% cash back on all other eligible purchases.
Cash+® Visa Signature® Card service icon
Up to 5% cash back on two categories you choose. 2% cash back on one everyday category. 1% cash back on all other eligible purchases.
Interest Rate: 18.99 % - 28.99 %
CD Special service icon
Get better returns by locking in a promotional rate. The CD Special account requires a $1,000 minimum deposit.
Commercial Real Estate Loan service icon
Owner-occupied or investment property. Up to $10 million.
Debt Consolidation Loan service icon
Consolidate debts from other loans and credit cards into one payment.
Elite Money Market Account service icon
The U.S. Bank Elite Money Market Savings Account has tiered interest rates that pay more for higher balances.
Equipment Financing service icon
Essential business asset financing Up to $1,000,000. Finance up to 125% with soft costs.
FHA Loans service icon
An FHA mortgage may require a down payment as low as 3.5 percent. The interest rate may be somewhat higher than that of a conventional mortgage.
FlexPerks® Gold American Express® Card service icon
5X FlexPoints on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center. 3X FlexPoints on dining, takeout and restaurant delivery. 2X FlexPoints at airlines, gas stations and EV charging stations.
Interest Rate: 18.99 % - 28.99 %
Gold Business Checking Account Package service icon
Best for businesses with more banking activity. $20 monthly maintenance fee, waivable.
Home equity line of credit service icon
Use the equity you’ve built in your home and only pay interest on what you borrow.
Home equity loan service icon
Get fixed rates and payments when you use equity to help repair your home.
Home improvement personal line of credit service icon
Exclusive to U.S. Bank checking customers, take on your home improvement projects with the flexibility you’d expect from a credit card, but typically with lower interest rates. And since it’s an unsecured line of credit, there’s no collateral needed.
Home improvement personal loan service icon
Upgrade your home and its value. U.S. Bank checking customers with credit approval may borrow up to $50,000 with our home improvement personal loan. Those without a U.S. Bank account may be able to borrow up to $25,000.
Amount: $1000.00 - $50000.00 Interest Rate: 8.74 % - 21.24 % Credit Score: 660 - 850
McDonald's franchise financing service icon
McDonald's Owner/Operator products to help you work towards your goals as a franchisee.
Nonprofit Checking Account service icon
Ideal checking account features for nonprofit businesses. $0 monthly maintenance fee.
Personal line of credit service icon
Looking to tackle on financial goals with a little more flexibility? If you’re a current U.S. Bank checking customer, a personal line of credit can give you instant, ongoing access to funds as you need them.
Amount: $1000.00 - $25000.00 Interest Rate: 11.75 % - 21.75 % Credit Score: 680 - 850
Platinum Business Checking Account Package service icon
Best for established businesses with higher balances. $30 monthly maintenance fee, waivable.
Premium Business Checking Account service icon
Premium services to help you plan and progress, Analyzed account.
Quick Loan service icon
Quick business loan with an online application. Up to $250,000. A simplified application process gets you back to focusing on what matters most.
Amount: $0.00 - $250000.00
Recreational vehicle (RV) loans service icon
Whether you’re interested in purchasing a RV or motorhome for road trips or would like to change your lifestyle, U.S. Bank offers loans up to $150,000 to help you start your adventure.
Refinancing service icon
Refinance points are similar to standard mortgage points. They are a form of prepaid interest you can choose to pay up front in exchange for a lower rate.
Reserve line of credit service icon
Protect your U.S. Bank checking account from overdrafts with a reserve line of credit. You’ll enjoy no annual fee and automatic advances to your checking account if your balance ever falls below zero.
Retirement Money Market service icon
With a Retirement Money Market account, you can diversify your retirement portfolio with a tax advantage. This account requires an individual retirement account plan.
Safe Debit Account service icon
The Safe Debit Account is suitable for those who want a debit card but don’t need to write checks. It is particularly suitable as a joint account with a minor.
SBA Paycheck Protection (PPP) service icon
PPP loans may be forgiven, in whole or in part, if borrowers meet certain requirements. Loan forgiveness is not automatically granted. Borrowers must complete and submit a PPP loan forgiveness application through our online application portal.
Secured Visa® Card service icon
Enjoy no annual fee and credit-building benefits.
Silver Business Checking Account Package service icon
Best for new or small businesses with basic banking account needs. $0 monthly maintenance fee.
Simple Loan service icon
Need quick funds for an emergency? Our Simple Loan is one way for U.S. Bank checking customers who qualify to borrow up to $1,000 for planned – and unplanned – expenses.
Amount: $100.00 - $1000.00
Small Business Administration (SBA) service icon
Government-backed loans Up to $12.375 million.
Standard CD service icon
Choose from a wide range of term lengths. When it comes to term lengths, the Standard CD is flexible. Choose from one month to five years. Whatever is best for you.
Standard Savings Account service icon
Save money and watch it grow with the U.S. Bank Standard Savings account. Open an account online in minutes with a minimum opening deposit of $25.
Step Up CD service icon
Interest rate increases every seven months. Get an interest rate increase every seven months throughout this CD’s 28-month term.
Trade Up CD service icon
Trade up to a higher rate. If a higher rate comes along during the term of your CD, you can trade up for it.
Triple Cash Rewards Visa® Business Card service icon
Earn 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants. Plus, earn an annual $100 statement credit for monthly software service purchases such as FreshBooks or QuickBooks.
VA Loans service icon
Option To Make $0 Down Payments For Military Members. A VA mortgage loan requires little or no money down at closing.
Visa® Platinum Card service icon
0% intro APR on purchases and balance transfers for the first 18 billing cycles. After that, a variable APR, currently 18.99% - 28.99%.
Interest Rate: 18.99 % - 28.99 %