USAA CD Rates (November 2026) & Calculator
USAA pays up to 2.25% APY on a 7-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
USAA CD rates (Nov 5, 2026)
Every CD term USAA lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 1 month | Jumbo CD (Fixed rate) | $95,000 | 0.05% | $0.42 |
| Super jumbo CD (Fixed rate) | $175,000 | 0.05% | $0.42 | |
| 3 months | Super jumbo CD (Fixed rate) | $175,000 | 2.00% | $49.63 |
| Jumbo CD (Fixed rate) | $95,000 | 1.75% | $43.47 | |
| Standard CD (Fixed rate) | $1,000 | 1.50% | $37.29 | |
| 4 months | Jumbo CD (Fixed rate) | $95,000 | 0.05% | $1.67 |
| Super jumbo CD (Fixed rate) | $175,000 | 0.05% | $1.67 | |
| 5 months | Jumbo CD (Fixed rate) | $95,000 | 0.05% | $2.08 |
| Super jumbo CD (Fixed rate) | $175,000 | 0.05% | $2.08 | |
| 6 months | Super jumbo CD (Fixed rate) | $175,000 | 2.25% | $111.87 |
| Jumbo CD (Fixed rate) | $95,000 | 2.15% | $106.93 | |
| Standard CD (Fixed rate) | $1,000 | 2.00% | $99.50 | |
| 7 months | Super jumbo CD (Fixed rate) | $175,000 | 2.50% | $145.08 |
| Jumbo CD (Fixed rate) | $95,000 | 2.34% | $135.84 | |
| Standard CD (Fixed rate) | $1,000 | 2.25% | $130.64 | |
| 9 months | Jumbo CD (Fixed rate) | $95,000 | 2.00% | $149.63 |
| Standard CD (Fixed rate) | $1,000 | 2.00% | $149.63 | |
| Super jumbo CD (Fixed rate) | $175,000 | 2.00% | $149.63 | |
| 1 year | Jumbo CD (Fixed rate) | $95,000 | 1.80% | $180.00 |
| Standard CD (Fixed rate) | $1,000 | 1.80% | $180.00 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.80% | $180.00 | |
| 15 months | Jumbo CD (Fixed rate) | $95,000 | 1.70% | $212.95 |
| Standard CD (Fixed rate) | $1,000 | 1.70% | $212.95 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.70% | $212.95 | |
| 18 months | Jumbo CD (Fixed rate) | $95,000 | 1.65% | $248.52 |
| Standard CD (Fixed rate) | $1,000 | 1.65% | $248.52 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.65% | $248.52 | |
| 2 years | Jumbo CD (Fixed rate) | $95,000 | 1.40% | $281.96 |
| Standard CD (Fixed rate) | $1,000 | 1.40% | $281.96 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.40% | $281.96 | |
| 30 months | Jumbo CD (Fixed rate) | $95,000 | 1.30% | $328.18 |
| Standard CD (Fixed rate) | $1,000 | 1.30% | $328.18 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.30% | $328.18 | |
| 3 years | Jumbo CD (Fixed rate) | $95,000 | 1.30% | $395.09 |
| Standard CD (Fixed rate) | $1,000 | 1.30% | $395.09 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.30% | $395.09 | |
| Jumbo CD (Adjustable rate) | $95,000 | 0.01% | $3.00 | |
| Standard CD (Adjustable rate) | $1,000 | 0.01% | $3.00 | |
| Super jumbo CD (Adjustable rate) | $175,000 | 0.01% | $3.00 | |
| 4 years | Jumbo CD (Fixed rate) | $95,000 | 1.25% | $509.45 |
| Standard CD (Fixed rate) | $1,000 | 1.25% | $509.45 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.25% | $509.45 | |
| Jumbo CD (Adjustable rate) | $95,000 | 0.01% | $4.00 | |
| Standard CD (Adjustable rate) | $1,000 | 0.01% | $4.00 | |
| Super jumbo CD (Adjustable rate) | $175,000 | 0.01% | $4.00 | |
| 5 years | Jumbo CD (Fixed rate) | $95,000 | 1.25% | $640.82 |
| Standard CD (Fixed rate) | $1,000 | 1.25% | $640.82 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.25% | $640.82 | |
| Jumbo CD (Adjustable rate) | $95,000 | 0.01% | $5.00 | |
| Standard CD (Adjustable rate) | $1,000 | 0.01% | $5.00 | |
| Super jumbo CD (Adjustable rate) | $175,000 | 0.01% | $5.00 | |
| 7 years | Jumbo CD (Fixed rate) | $95,000 | 1.25% | $908.50 |
| Standard CD (Fixed rate) | $1,000 | 1.25% | $908.50 | |
| Super jumbo CD (Fixed rate) | $175,000 | 1.25% | $908.50 | |
| Jumbo CD (Adjustable rate) | $95,000 | 0.01% | $7.00 | |
| Standard CD (Adjustable rate) | $1,000 | 0.01% | $7.00 | |
| Super jumbo CD (Adjustable rate) | $175,000 | 0.01% | $7.00 |
Special is a promotional rate. Relationship needs a linked account at USAA. A dash means the same APY as the opening balance. The highlighted row is USAA's top rate.
Source: USAA CD rates. Rates change often; confirm before you open an account.
USAA vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.
| Term | USAA | National avg | Best other bank |
|---|---|---|---|
| 1 month | – | 0.23% |  Western Alliance 0.90% |
| 3 months | 1.50% | 1.14% |  Popular Direct 4.30% |
| 4 months | – | 1.14% (3 mo) |  Atlantic Union 3.85% |
| 5 months | – | 1.39% (6 mo) |  First Citizens 4.00% |
| 6 months | 2.00% | 1.39% | Popular Direct 4.35% |
| 7 months | 2.25% | 1.39% (6 mo) |  Associated Bank 4.25% |
| 9 months | 2.00% | 1.39% (6 mo) |  Synchrony 4.50% |
| 1 year | 1.80% | 1.76% | Popular Direct 4.60% |
| 15 months | 1.70% | 1.76% (12 mo) | Synchrony 4.50% |
| 18 months | 1.65% | 1.76% (12 mo) | Popular Direct 4.80% |
| 2 years | 1.40% | 1.55% |  E*TRADE 4.80% |
| 30 months | 1.30% | 1.55% (24 mo) |  Sallie Mae 4.50% |
| 3 years | 1.30% | 1.39% | Popular Direct 4.85% |
| 4 years | 1.25% | 1.31% | Popular Direct 4.95% |
| 5 years | 1.25% | 1.41% | Sallie Mae 5.00% |
| 7 years | 1.25% | 1.41% (60 mo) |  Navy Federal 3.85% |
USAA CD early withdrawal penalty
| Term | Penalty |
|---|---|
| 30 days or fewer | 30 days of interest |
| More than 30 days and up through 1 year | 90 days of interest |
| More than 1 year but fewer than 5 years | 180 days of interest |
| 5 years or more | 365 days of interest |
Example: $10,000 in a 1-year CD at 1.80%, withdrawn after 6 months, has earned $89.60. The penalty is $43.99, so you would get $10,045.61.
The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).
Taxes on USAA CD interest
CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. USAA sends Form 1099-INT when you earn $10 or more in a year. For example, the $130.64 that $10,000 earns over 7 months at 2.25% would cost about $29 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following USAA's published rule for that term.
Rates come from USAA's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against USAA's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.
USAA CD FAQs
Quick answers about USAA CD rates and penalties.
What are USAA's CD rates today?
How much will $10,000 earn in a 7-month USAA CD?
What is USAA's CD early withdrawal penalty?
Are USAA CDs insured?
How do USAA's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. USAA's best is 2.25%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
- Sallie Mae1-year 4.50%Top rate5.00%5 yr
- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr- Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr- Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.- Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr- First Citizens1-year 2.00%4.00%5 mo
- Customers BankNo 1-year CD3.85%3 mo
Fifth Third1-year 3.70%3.70%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo- Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat USAA's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.