# USAA Bank CD rates

As of October 22, 2026, USAA Bank's highest CD rate is 4.01% APY on a 91-day CD ($175,000 minimum). That is 3.5 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 0.01% to 4.01% APY.

Canonical page: https://apyledger.com/cd-rates/usaa-bank
Institution: USAA Federal Savings Bank (FDIC 32188)
Aliases: USAA
Status: live
Last verified: 2026-10-22T05:18:50.000Z (October 22, 2026)
Official source: https://www.usaa.com/banking/cds/rates/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo CD | standard | 30 days | $95,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 30 days | $175,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 91 days | $175,000 | 4.01% | Not ZIP-priced | −0.29% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 91 days | $95,000 | 3.76% | Not ZIP-priced | −0.54% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 91 days | $1,000 | 3.51% | Not ZIP-priced | −0.79% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 120 days | $95,000 | 0.05% | Not ZIP-priced | −4.33% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 120 days | $175,000 | 0.05% | Not ZIP-priced | −4.33% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 150 days | $95,000 | 0.05% | Not ZIP-priced | −4.34% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 150 days | $175,000 | 0.05% | Not ZIP-priced | −4.34% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 182 days | $175,000 | 2.25% | Not ZIP-priced | −2.15% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 182 days | $95,000 | 2.15% | Not ZIP-priced | −2.25% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 182 days | $1,000 | 2.00% | Not ZIP-priced | −2.40% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 7 months | $175,000 | 2.50% | Not ZIP-priced | −1.93% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 7 months | $95,000 | 2.34% | Not ZIP-priced | −2.09% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 7 months | $1,000 | 2.25% | Not ZIP-priced | −2.18% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 270 days | $1,000 | 2.00% | Not ZIP-priced | −2.48% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 270 days | $95,000 | 2.00% | Not ZIP-priced | −2.48% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 270 days | $175,000 | 2.00% | Not ZIP-priced | −2.48% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 12 months | $1,000 | 1.80% | Not ZIP-priced | −2.77% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 12 months | $95,000 | 1.80% | Not ZIP-priced | −2.77% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 12 months | $175,000 | 1.80% | Not ZIP-priced | −2.77% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 15 months | $1,000 | 1.70% | Not ZIP-priced | −2.95% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 15 months | $95,000 | 1.70% | Not ZIP-priced | −2.95% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 15 months | $175,000 | 1.70% | Not ZIP-priced | −2.95% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 18 months | $1,000 | 1.65% | Not ZIP-priced | −3.07% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 18 months | $95,000 | 1.65% | Not ZIP-priced | −3.07% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 18 months | $175,000 | 1.65% | Not ZIP-priced | −3.07% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 24 months | $1,000 | 1.40% | Not ZIP-priced | −3.47% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 24 months | $95,000 | 1.40% | Not ZIP-priced | −3.47% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 24 months | $175,000 | 1.40% | Not ZIP-priced | −3.47% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 30 months | $1,000 | 1.30% | Not ZIP-priced | −3.61% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 30 months | $95,000 | 1.30% | Not ZIP-priced | −3.61% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 30 months | $175,000 | 1.30% | Not ZIP-priced | −3.61% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 36 months | $1,000 | 1.30% | Not ZIP-priced | −3.65% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 36 months | $95,000 | 1.30% | Not ZIP-priced | −3.65% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 36 months | $175,000 | 1.30% | Not ZIP-priced | −3.65% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD (Adjustable Rate) | standard | 36 months | $1,000 | 0.01% | Not ZIP-priced | −4.94% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD (Adjustable Rate) | standard | 36 months | $95,000 | 0.01% | Not ZIP-priced | −4.94% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD (Adjustable Rate) | standard | 36 months | $175,000 | 0.01% | Not ZIP-priced | −4.94% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 48 months | $1,000 | 1.25% | Not ZIP-priced | −3.73% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 48 months | $95,000 | 1.25% | Not ZIP-priced | −3.73% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 48 months | $175,000 | 1.25% | Not ZIP-priced | −3.73% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD (Adjustable Rate) | standard | 48 months | $1,000 | 0.01% | Not ZIP-priced | −4.97% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD (Adjustable Rate) | standard | 48 months | $95,000 | 0.01% | Not ZIP-priced | −4.97% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD (Adjustable Rate) | standard | 48 months | $175,000 | 0.01% | Not ZIP-priced | −4.97% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 60 months | $1,000 | 1.25% | Not ZIP-priced | −3.76% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 60 months | $95,000 | 1.25% | Not ZIP-priced | −3.76% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 60 months | $175,000 | 1.25% | Not ZIP-priced | −3.76% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD (Adjustable Rate) | standard | 60 months | $1,000 | 0.01% | Not ZIP-priced | −5.00% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD (Adjustable Rate) | standard | 60 months | $95,000 | 0.01% | Not ZIP-priced | −5.00% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD (Adjustable Rate) | standard | 60 months | $175,000 | 0.01% | Not ZIP-priced | −5.00% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD | standard | 84 months | $1,000 | 1.25% | Not ZIP-priced | −3.84% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD | standard | 84 months | $95,000 | 1.25% | Not ZIP-priced | −3.84% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD | standard | 84 months | $175,000 | 1.25% | Not ZIP-priced | −3.84% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Standard CD (Adjustable Rate) | standard | 84 months | $1,000 | 0.01% | Not ZIP-priced | −5.08% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Jumbo CD (Adjustable Rate) | standard | 84 months | $95,000 | 0.01% | Not ZIP-priced | −5.08% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |
| Super jumbo CD (Adjustable Rate) | standard | 84 months | $175,000 | 0.01% | Not ZIP-priced | −5.08% | 2026-10-22T05:18:50.000Z | [Snapshot 146](https://apyledger.com/snapshots/146) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.