Navy Federal Credit Union vs. USAA Bank CD Rates — October 2026
Navy Federal Credit Union pays more at 5 of the 6 standard terms both offer; USAA Bank pays more at 1. The highest rate in this comparison is 4.15% APY on Navy Federal Credit Union's 18-month certificate, verified October 26, 2026.
Navy Federal Credit Union vs. USAA Bank: CD rates by term
Each cell is that institution's highest fresh quote for the exact term, across the locations we check. Relationship rates that need another account are left out. Bold marks the higher APY.
| Term | Navy Federal Credit Union | USAA Bank | Difference |
|---|---|---|---|
| 3-month | 1.55%$100,000 min · Standard | 4.01%$175,000 min · Standard | USAA Bank +2.46% |
| 1-year | 4.10%$100,000 min · Standard | 1.80%$1,000 min · Standard | Navy FCU +2.30% |
| 18-month | 4.15%$100,000 min · Standard | 1.65%$1,000 min · Standard | Navy FCU +2.50% |
| 2-year | 3.70%$100,000 min · Standard | 1.40%$1,000 min · Standard | Navy FCU +2.30% |
| 3-year | 4.15%$100,000 min · Standard | 1.30%$1,000 min · Standard | Navy FCU +2.85% |
| 4-year | —Not offered or not tracked | 1.25%$1,000 min · Standard | — |
| 5-year | 3.90%$100,000 min · Standard | 1.25%$1,000 min · Standard | Navy FCU +2.65% |
Other differences
| Navy Federal Credit Union | USAA Bank | |
|---|---|---|
| Insurance | NCUA-insured credit union (NCUA 5536) | FDIC-insured bank (FDIC 32188) |
| Lowest minimum (tracked) | $100,000 | $1,000 |
| Standard terms tracked | 6 | 7 |
| No-penalty CD | None tracked | None tracked |
| Prices vary by ZIP | No | No |
Membership, new-money and product conditions are not compared here. See each institution's page for opening requirements, early withdrawal penalties and rate history: Navy Federal Credit Union CD rates · USAA Bank CD rates.
Common questions
Which has better CD rates, Navy Federal Credit Union or USAA Bank?
Navy Federal Credit Union pays more at 5 of the 6 standard terms both offer; USAA Bank pays more at 1. The highest rate in this comparison is 4.15% APY on Navy Federal Credit Union's 18-month certificate, verified October 26, 2026.
Which has a lower CD minimum deposit, Navy Federal Credit Union or USAA Bank?
USAA Bank lists the lower minimum: $1,000, versus $100,000 at Navy Federal Credit Union, on the standard-term rates we track.
Are Navy Federal Credit Union and USAA Bank CDs insured?
Navy Federal Credit Union is an NCUA-insured credit union (NCUA 5536) and USAA Bank is an FDIC-insured bank (FDIC 32188). Deposits are insured up to $250,000 per depositor, per institution, per ownership category, so splitting a large deposit between the two can raise total coverage.
How current is this comparison?
Both institutions' rate pages are checked daily. Every quote here was verified within the last seven days; the latest on October 26, 2026.