USAA Bank CD Rates — October 2026

USAA Bank CD rates

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are USAA Bank's best CD rates by term?

USAA Bank's best rate is 4.01% APY on 91 days, verified October 22, 2026.

1. 30 days0.05%
2. 91 days4.01%
3. 120 days0.05%
4. 150 days0.05%
5. 182 days2.25%
6. 7 mo2.50%
7. 270 days2.00%
8. 12 mo1.80%
9. 15 mo1.70%
10. 18 mo1.65%
11. 24 mo1.40%
12. 30 mo1.30%
13. 36 mo1.30%
14. 48 mo1.25%
15. 60 mo1.25%
16. 84 mo1.25%

Calculate earnings at 4.01% for 91 days

How USAA Bank compares

• Best 3-month rate among the institutions we track: Popular Direct at 4.30% APY.
• Popular Direct: best 5.00% APY on 60 months.
• Barclays: best 4.75% APY on 24 months.
• Sallie Mae Bank: best 4.75% APY on 60 months.
• 3-month Treasury: 4.29% APY-equivalent.

Rate changes

No changes since we started tracking USAA Bank on October 22, 2026.

About USAA Bank

Legal name

USAA Federal Savings Bank

Regulator ID

FDIC 32188

Headquarters

Phoenix, AZ

Available in

AZ, CO, MD, NY, TX

Total assets

$106.2 billion

Also known as

USAA

Website

www.usaa.com

Source: rates read from https://www.usaa.com/banking/cds/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at USAA Bank?

4.01% APY on a 91-day CD, as of October 22, 2026.

What is the minimum deposit for a USAA Bank CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $175,000.

How does USAA Bank's best CD rate compare with Treasury yields?

4.01% APY is −0.29% versus the 91-day Treasury yield of 4.29% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.01% a good CD rate?

It is 3.5 times the FDIC national average for a similar term (1.14% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are USAA Bank CDs insured?

USAA Bank is an FDIC-insured bank (FDIC 32188). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check USAA Bank's rate page every day. The rates above were last verified on October 22, 2026.

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