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U.S. Bank vs. Axos Bank Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Personal Loans

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Online Banking

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Personal Loans

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Mortgages

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Online Banking

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Personal Loans drop-down-btn
Good For
Members Can Borrow <$50,000
Good For
A Loan That is Designed For You
Min Credit Score
660
Min Credit Score
690
APR

8.24-21.49%

APR

11.79-20.84%

Loan Amount

$1K-$50K

Loan Amount

$5K-$50K

Lender Type
  • Direct
Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Co-singer / Joint loans
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Co-singer / Joint loans
Loan Purpose
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Vacation
  • Other
Loan Purpose
  • Business Loans
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
Repayment terms
12-84 months
Repayment terms
3 - 6 Yrs
Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Transparent loan terms, rates, and eligibility requirements
  • Funds can be used for nearly any purpose
  • May qualify for up to $25,000 or $50,000, depending on credit score
  • Interest rate discount for automatic payments
  • No hidden fees
Pros
  • No prepayment penalties
  • 1-year loan terms available
  • Fast, 2-day funding
  • Wide range of loan terms
Cons
  • cons U.S. Bank does not pay creditors directly with debt consolidation loans
  • cons Non-members may not qualify for the highest loan amounts
  • cons Loans not available in all states
Cons
  • cons High credit score requirements
  • cons Origination fee
  • cons Shorter loan terms
Online Banking drop-down-btn
Good For
Solid Bank for Businesses
Good For
Save Smarter, Compound Faster
Account types
  • Checking
  • Savings
  • Business Checking
  • Business Savings
Account types
  • Checking
  • Savings
  • Money Market Deposit Account (MMDA)
Pros
  • Offers competitive APYs
  • A good selection of account options
  • Low minimum balance requirements
  • Monthly fees are usually avoidable
Pros
  • Earn up to 3.30% APY
  • No monthly fees or overdraft on most accounts
  • Variety of accounts with unique perks
Cons
  • cons High barrier to accessing good APYs
  • cons Most accounts carry monthly fees
Cons
  • cons Low CD (certificate of deposit) rates
Min Deposit
$25
Min Deposit
$50
Min APY Checking
0.01
Min APY Checking
0.1
Min APY Savings
0.01
Min APY Savings
0.61
ATM Network
40,000+
ATM Network
90,000+ fee-free ATMs
Maintenance Fee
$7
Maintenance Fee
0
Mortgages drop-down-btn
Good For
Three Basic Steps to Take a Mortgage
Min Credit Score
620
APR

4.25-18%

Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • VA
  • Jumbo
Prepayment Fee
None
Origination Fee
$1,500
Pros
  • Fast closing period for a mortgage.
  • Cashback of up to 3% is available on annual repayments
  • The lender fee of $995 is waived if you hold an Axos Bank checking account
  • Applicants with average credit scores are considered for a mortgage
  • Offers difficult-to-find mortgages such as super jumbo loans
Cons
  • cons No physical branches to discuss your mortgage needs
  • cons Discounts are only available if you have an Axos Bank account
  • cons No visibility of mortgage rates until after pre-qualification
Not provided

Service isn't provided

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