Bank · FDIC insured
USAA Federal Savings Bank CD Rates
USAA Federal Savings Bank’s best CD rate is 0.01% APY on a 3-year CD. Terms run from 3 years to 7 years. Rates checked October 3, 2026.
How USAA Federal Savings Bank’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where USAA Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
USAA Federal Savings Bank
0.01%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $3
Adjustable Rate Certificate of Deposit
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Adjustable Rate Certificate of Deposit
0.01%APY · 4 terms
Allows a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. Exclusively for USAA members. Early withdrawal penalty applies. Minimum initial deposit: $1,000 for Standard, $95,000 for Jumbo, $175,000 for Super Jumbo.
| Term | APY · $1,000 and up | APY · $95,000 and up | APY · $175,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 monthsJumbo CD, 3 years term | — | 0.01% | — | —0.01% from $95k | — |
| 36 monthsStandard CD, 3 years term | 0.01% | — | — | 0.01% | $3 |
| 36 monthsSuper jumbo CD, 3 years term | — | — | 0.01% | —0.01% from $175k | — |
| 48 monthsJumbo CD, 4 years term | — | 0.01% | — | —0.01% from $95k | — |
| 48 monthsStandard CD, 4 years term | 0.01% | — | — | 0.01% | $4 |
| 48 monthsSuper jumbo CD, 4 years term | — | — | 0.01% | —0.01% from $175k | — |
| 60 monthsJumbo CD, 5 years term | — | 0.01% | — | —0.01% from $95k | — |
| 60 monthsStandard CD, 5 years term | 0.01% | — | — | 0.01% | $5 |
| 60 monthsSuper jumbo CD, 5 years term | — | — | 0.01% | —0.01% from $175k | — |
| 84 monthsJumbo CD, 7 years term | — | 0.01% | — | —0.01% from $95k | — |
| 84 monthsStandard CD, 7 years term | 0.01% | — | — | 0.01% | $7 |
| 84 monthsSuper jumbo CD, 7 years term | — | — | 0.01% | —0.01% from $175k | — |
Sources (1)
- usaa.com/banking/cds/rates · captured Oct 3, 2026
Closed to new customers
Variable Rate Certificate of Deposit
0.01%APY · 2 terms
Variable rates shown are for existing accounts. New variable CDs are currently not available. Standard Variable rate CD minimum deposit: $250. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownStandard CD, 182 days term. Existing accounts only | 0.01% | $0 |
| 12 monthsStandard CD, 1 year term. Existing accounts only | 0.01% | $1 |
Sources (1)
- usaa.com/banking/cds/rates · captured Oct 3, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.