HSBC Bank USA, National Association


1800 Tysons Blvd
Tysons, VA 22102
See all branch locations →

Phone 800 975 4722

Notable Rates APY Vs.Others
Savings 0.01% 1.40% →
1-Year CD 0.70% 1.15% →
2-Year CD 0.90% 1.26% →
5-Year CD 0.90% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

HSBC Bank USA, National Association is an FDIC insured institution located in Tysons, VA. It was founded in 2004 and has approximately $201.89 billion in assets. Customers can open an account at one of its 252 branches.

FDIC Insured Yes
FDIC Certificate # 57890
Date Established 2004
Assets $ 201.89 billion
Loans $ 77.97 billion
Deposits $ 146.30 billion
Capital $ 21.62 billion

For a more detailed analysis of HSBC Bank USA, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 11, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.01% $1 - Learn More
3 Mo CD
0.01% $1,000 - Learn More
6 Mo CD
0.70% $1,000 - Learn More
12 Mo CD
0.70% $1,000 - Learn More
18 Mo CD
0.90% $1,000 - Learn More
24 Mo CD
0.90% $1,000 - Learn More
36 Mo CD
0.90% $1,000 - Learn More
48 Mo CD
0.90% $1,000 - Learn More
60 Mo CD
0.90% $1,000 - Learn More

Online Only Savings Rates of HSBC Direct

Online Savings Rates APY MIN MAX
HSBC Direct Savings
1.01% $1 - Learn More
Checking Rates APY MIN FEE
HSBC Premier 0.01% $100,000 $50.00 Learn MoreShow Less
Choice Checking 0.00% $1,500 $15.00 Learn MoreShow Less
Basic Banking 0.00% $0 $3.00 Learn MoreShow Less

Bank Online Offers

HSBC Relaunches US Online Savings Accounts
Jul 10, 2018

HSBC, the major London-based conglomerate, has relaunched an online banking product in the US.   After recently being active in the US through the HSBC Advance moniker, they have opted to go back to HSBC Direct which they used in the early 2000s.   Their online savings rate is 1.70% (hint: you will find better online savings rates here).    You can learn more about HSBC here.

HSBC Drops Online Savings Rate from 1.60% to 1.30% APY
May 26, 2020

HSBC has dropped its onine savings rate to 1.30% APY.   The rate may not be available in all states.

Loan Rates - July 11, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HSBC Bank USA, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,438 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

Note to HSBC Bank USA, National Association
To upload and update your bank's rates please register. It is free to register and add rates.


HSBC Bank USA, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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HSBC Bank USA, National Association Locations

Financial Details

HSBC Bank USA, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of HSBC Bank USA, National Association. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
HSBC Bank USA, National Association U.S. Bank Average
3.25% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, HSBC Bank USA, National Association had $725,895,000 in non-current loans and $6,461,000 in owned real estate. To cover these potential losses it had $21,619,775,000 in equity and $931,486,000 in loans loss reserves. That gives it a Texas Ratio of 3.25%.

Return on Equity
HSBC Bank USA, National Association U.S. Bank Average
-22.42% 7.80%

HSBC Bank USA, National Association has a Return on Equity of -22.42% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

HSBC Bank USA, National Association U.S. Bank Average
10.71% 12.68%

HSBC Bank USA, National Association has a Capitalization of 10.71% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

HSBC Bank USA, National Association Balance Sheet Analysis

As of March 31, 2020, HSBC Bank USA, National Association had assets of $201,885,682,000, loans of $77,974,794,000, and deposits of $146,297,949,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 27.37 billion
Interest-bearing balances $ 26.39 billion
Total securities $ 53.91 billion
Federal funds sold and reverse repurchase $ 4.64 billion
Net loans and leases $ 77.97 billion
Loan loss allowance $ 931.49 million
Trading account assets $ 29.25 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 6.46 million
Goodwill and other intangibles $ 474.88 million
All other assets $ 7.47 billion
     Total Assets $ 180.27 billion
Total deposits $ 146.30 billion
      Interest-bearing deposits $ 117.82 billion
      Deposits held in domestic offices $ 137.56 billion
      % insured (estimated) 36.18%
Federal funds purchased and repurchase agreements $ 15.13 billion
Trading liabilities $ 3.90 billion
Other borrowed funds $ 8.33 billion
Subordinated debt $ 2.85 billion
All other liabilities $ 3.75 billion
      Total Liabilities $ 180.27 billion
      Shareholders’ Equity $ 21.62 billion

Summary Income Statement

March 31, 2020
Total Interest Income $ 1,050.03 million
Total Interest Expense $ 492.74 million
Net interest income $ 557.29 million
Provision for loan and lease losses $ 509.36 million
Total non interest income $ 393.05 million
Total non interest expense $ 1,819.08 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in HSBC Bank USA, National Association’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Virginia, HSBC Bank USA, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.25
Credit Card Loans 1.67
Consumer Auto Loans 0.00
Small Business Loans 0.04
Construction and Development Loans 2.12
Commercial Real Estate 7.66
Commercial and Industrial Loans 47.98
Farm Loans 0.08

Frequently Asked Questions About HSBC

Branches and Savings

Is HSBC FDIC insured?

Yes. It is covered under FDIC Certificate #57890.

Why does HSBC pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are HSBC CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is HSBC a commercial bank?

Where are HSBC locations?

See branch locations nearby.

Is HSBC open on Saturdays?

Is HSBC open on Sundays?

What time does HSBC open?

What time does HSBC close?

Are HSBC ATMs Open 24/7?

Do HSBC ATMs accept cash deposits?

Can HSBC customers use other ATMs?

Do HSBC branches have notaries?

Will HSBC notarize my document?

What address for HSBC should I put for incoming ACH transfers?

Will the HSBC branch print checks?

Do HSBC checks expire?

Does HSBC require US citizenship to open account?

Can HSBC close my account?

Does HSBC Report to credit bureaus?

Does HSBC Use Equifax?

What is HSBC's ACH Routing Number?

What is HSBC's SWIFT code?


Does HSBC offer mortgages?

Compare mortgage rates here.

Does HSBC offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does HSBC offer personal loans?

Compare personal loan rates here.

Does HSBC offer student loans?

Will HSBC cash a check?

Will HSBC redeem a savings bond?

Does HSBC cash savings bonds?

Will HSBC cash money orders?

Can HSBC issue a money order?

Does HSBC do currency exchange?

Background on The Bank

Who owns HSBC?

How long has HSBC been around?

Can HSBC transfer to other banks?

Does HSBC have quick pay?

Does HSBC accept rolled coins?

Will HSBC accept loose change?

Where is HSBC headquarters?

Customer Reviews for HSBC Bank USA, National Association

  • April 14, 2020

    CDs 12 Month Rates

    I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year

  • June 18, 2015

    What is minimum deposit?

  • May 18, 2015

    Need to have at least $100,000 with bank to get the 1.50%

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