Source: https://www.usaa.com/banking/cds/rates/
Read: 2026-10-22T05:18:50.000Z

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USAA Federal Savings Bank
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Certificate of Deposit (CD) rates
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Reach your savings goals sooner with a CD account.
Start earning today with our Annual Percentage Yield (APY) and interest rates.
APY
Interest rates
Fixed rate APY
Term | Standard CD, minimum deposit: $1,000 | Jumbo CD, minimum deposit: $95,000 | Super jumbo CD, minimum deposit: $175,000
30 days | N/A | 0.05% | 0.05%
91 days | 3.51% | 3.76% | 4.01%
120 days | N/A | 0.05% | 0.05%
150 days | N/A | 0.05% | 0.05%
182 days | 2.00% | 2.15% | 2.25%
7 months | 2.25% | 2.34% | 2.50%
270 days | 2.00% | 2.00% | 2.00%
1 year | 1.80% | 1.80% | 1.80%
15 months | 1.70% | 1.70% | 1.70%
18 months | 1.65% | 1.65% | 1.65%
2 years | 1.40% | 1.40% | 1.40%
30 months | 1.30% | 1.30% | 1.30%
3 years | 1.30% | 1.30% | 1.30%
4 years | 1.25% | 1.25% | 1.25%
5 years | 1.25% | 1.25% | 1.25%
7 years | 1.25% | 1.25% | 1.25%
Adjustable rate APY
Term | Standard CD, minimum deposit: $1,000 | Jumbo CD, minimum deposit: $95,000 | Super jumbo CD, minimum deposit: $175,000
3 years | 0.01% | 0.01% | 0.01%
4 years | 0.01% | 0.01% | 0.01%
5 years | 0.01% | 0.01% | 0.01%
7 years | 0.01% | 0.01% | 0.01%
Variable rate APY
Variable rates shown are for existing accounts. New variable CDs are currently not available.
Term | Standard CD, minimum deposit: $250
182 days | 0.01%
1 year | 0.01%
Rates are current as of 10/22/2026. Rates subject to change. Fees may reduce earnings.
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Related footnotes:
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
Rates are current as of 10/22/2026. Rates are subject to change daily. Fixed and adjustable CD rates are not guaranteed until your CD is issued. Annual Percentage Yield, also known as APY, assumes that interest remains on deposit until maturity. Withdrawals will reduce the amount of interest earned. Substantial penalty for early withdrawal. We deduct the early withdrawal penalty from the CD account’s earned interest first, and then we deduct any remaining early withdrawal penalty from the principal amount of the CD account. Fees may reduce earnings on your account. Minimum initial deposit and minimum balance is $250 for Standard IRA CD and for Standard Variable rate CD, $1,000 for Standard Fixed CD and Adjustable CD, $95,000 for Jumbo CD and $175,000 for Super Jumbo CD. With an adjustable rate CD, you may make a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. See Depository Agreement for details.
Deposit products and services offered by USAA Federal Savings Bank, Member FDIC. 
6072240
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