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30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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CD Rates

USAA CD Rates

Updated August 2026 · By the Fintiex Rate Desk

USAA Federal Savings Bank serves military members, veterans, and their families. Its CDs come in terms from about 1 month to 7 years with a $1,000 minimum, and rates are tiered: featured terms carry competitive yields while off-peak terms pay much less.

In mid-2026, USAA's better CD rates ran roughly 3.75 to 4.25% APY on featured terms, while some short odd terms paid in the 2.50% range. That makes term selection matter more at USAA than at most banks; the difference between a featured term and the term next to it can be substantial.

For USAA members who value keeping banking, insurance, and investments under one roof, the featured terms are genuinely competitive. Just verify which terms carry the headline rate before you lock in.

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Rates by term

USAA CD rates

Traditional bank CDs opened directly with the institution. Minimum deposit: $1,000.

Term
APY
Featured short terms
~3.75-4.25%
Odd terms (e.g. 7 months)
~2.50%
Long terms (5-7 years)
varies, typically lower

Rates as of mid-2026. USAA rates vary sharply by term and change with the market. The live table at usaa.com shows the current APY for every term; check which terms are featured before opening.

How USAA CD rates compare

At the top of its featured range, USAA is competitive with the best online banks, which paid around 4.10% APY on 12-month CDs in mid-2026. Off the featured terms, USAA can pay half that, so the comparison depends entirely on picking the right term.

Against the FDIC 1-year national average of roughly 1.99%, USAA's featured terms are a clear win. Members should still compare against Navy Federal and PenFed, which frequently trade the top spot for military-affiliated savers.

Before you open: the fine print

USAA CDs auto-renew at maturity and the early withdrawal penalty scales with term, from 30 days of interest on the shortest CDs up to 365 days on terms over 5 years. Membership eligibility (military affiliation) is required to open accounts.

USAA CD questions, answered

Who can open a USAA CD?

USAA membership is limited to active, retired, and honorably separated military members, pre-commissioning officer candidates, and eligible family members (spouses and children of members). If you qualify once, you keep eligibility for life.

Are USAA CDs FDIC-insured?

Yes. USAA Federal Savings Bank is an FDIC member and deposits are insured up to $250,000 per depositor, per ownership category.

Does USAA offer special CD types?

USAA has offered adjustable-rate and variable-rate CDs alongside standard fixed CDs. The adjustable version lets you bump your rate once if rates rise. Availability changes, so check the current lineup before opening.

USAA vs Navy Federal CDs: which pays more?

It trades back and forth, and Navy Federal's special certificates have frequently topped USAA's featured terms. If you are eligible for both, compare the specific term you want on the day you buy; the winner changes with each rate cycle.

Next step

Before locking any CD, spend two minutes comparing the term you want against the current national leaders. If you need the money to stay liquid, a top high-yield savings account may serve you better than a short CD.

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