HSBC Deposit Account APYs

Savings*

Minimum balance to open account online: $1

APY: 0.15%4
Annual Percentage Yield

Minimum Balance to Obtain APY:
$100,000 - $250,000 or more

APY: 0.10%4
Annual Percentage Yield

Minimum Balance to Obtain APY:
$25,000 - $99,999.99

APY: 0.01%4
Annual Percentage Yield

Minimum Balance to Obtain APY:
$0 - $24,999.99

Minimum balance to open account online: $1

APY: 0.05%5
Annual Percentage Yield

Minimum Balance to Obtain APY:
$15,000 - $75,000 or more

APY: 0.01%5
Annual Percentage Yield

Minimum Balance to Obtain APY:
$0 - $14,999.99 or more

Minimum balance to open account online: $1

APY: 0.01%6
Annual Percentage Yield

Minimum Balance to Obtain APY:
$1 or more

Online CDs7

24 Month**

Minimum balance to open account online: $1,000

APY: 1.30%8
Annual Percentage Yield

Minimum Balance to Obtain APY:
More than $0

12 Month**

Minimum balance to open account online: $1,000

APY: 0.95%9
Annual Percentage Yield

Minimum Balance to Obtain APY:
More than $0

6 Month**

Minimum balance to open account online: $1,000

APY: 0.75%10
Annual Percentage Yield

Minimum Balance to Obtain APY:
More than $0

Checking

Minimum balance to open account online: $1

APY: 0.01%13
Annual Percentage Yield

Minimum Balance to Obtain APY:
$5

Minimum balance to open account online: $1

APY: 0.01%14
Annual Percentage Yield

Minimum Balance to Obtain APY:
$5 - $10,000 or more

HSBC Branch/Telephone Deposit Account APYs: CDs15

These balance requirements and APYs will apply to accounts opened over the telephone or in a branch.

24 Month**

Minimum balance to open account online: $1,000

APY: 1.25%16
Annual Percentage Yield

Minimum Balance to Obtain APY:
More than $0

12 Month**

Minimum balance to open account online: $1,000

APY: 0.90%17
Annual Percentage Yield

Minimum Balance to Obtain APY:
More than $0

6 Month**

Minimum balance to open account online: $1,000

APY: 0.70%18
Annual Percentage Yield

Minimum Balance to Obtain APY:
More than $0

1 The HSBC Premier Savings account is available to customers with an HSBC Premier checking account in the United States.

2 The HSBC Advance Savings account is available to customers with an HSBC Premier checking or HSBC Advance checking account in the United States.

3 The HSBC Everyday Savings account is available to all consumers. A minimum Average Ledger Balance of $500 is required to avoid the Monthly Maintenance Fee of $5.

4 The Annual Percentage Yields (APYs) and balances for an HSBC Premier Savings account which are accurate of {{currentDate}} are: 0.01% APY on balances of $0 - $24,999.99; 0.10% APY $25,000 - $99,999.99; 0.15% APY $100,000 - $249,999.99 and 0.15% APY $250,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

5 The Annual Percentage Yields (APYs) and balances for an HSBC Advance Savings account which are accurate of {{currentDate}} are: 0.01% APY on balances of $0 - $14,999.99; 0.05% APY $15,000 - $49,999.99; 0.05% APY $50,000 - $74,999.99 and 0.05% APY $750,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

6 The Annual Percentage Yields (APYs) and balances for an HSBC Everyday Savings account which are accurate of {{currentDate}} are: 0.01% APY on balances of $1 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

7 The Annual Percentage Yields (APYs) and balances for CD accounts which are accurate of {{currentDate}} and apply for the initial term only. A penalty may be imposed for early withdrawal. Minimum to open is $1,000.

8 The Annual Percentage Yields (APYs) and balances for an HSBC 6 Month CD account which are accurate of {{currentDate}} are: 1.30% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

9 The Annual Percentage Yields (APYs) and balances for an HSBC 12 Month CD account which are accurate of {{currentDate}} are: 0.95% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

10 The Annual Percentage Yields (APYs) and balances for an HSBC 24 Month CD account which are accurate of {{currentDate}} are: 0.75% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

11 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain balances of $100,000 in combined U.S. Dollar personal deposit accounts and investment balances. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

12 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment  balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per calendar month. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

13 The Annual Percentage Yields (APYs) and balances for an HSBC Premier checking account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $5 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

14 The Annual Percentage Yields (APYs) and balances for an HSBC Advance checking account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $5.00 or more but less than $1,000, 0.01% APY $1,000 or more but less than $3,000, 0.01% APY $3,000 or more but less than $10,000 and 0.01% APY $10,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

15 Other CD terms and rates are available. For details, contact us at 800.975.4722.

16 The Annual Percentage Yields (APYs) and balances for an HSBC 6 Month CD account which are accurate of {{currentDate}} opened in branch or over telephone are: 1.25% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

17 The Annual Percentage Yields (APYs) and balances for an HSBC 12 Month CD account which are accurate of {{currentDate}} opened in branch or over telephone are: 0.90% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

18 The Annual Percentage Yields (APYs) and balances for an HSBC 24 Month CD account which are accurate of {{currentDate}} opened in branch or over telephone are: 0.70% APY on balances of more than $0. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

*Interest and APY are variable and may change after account opening.  Fees may reduce earnings on account.

**A penalty may be imposed for early withdrawal.

Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.