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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. With a USAA Federal Savings Bank membership, customers have access to a large selection of CD term options, more than 60,000 ATMs nationwide and a full-featured mobile app. is available to active duty U.S. military personnel, military veterans, military spouses and children, and pre-commissioned officers. USAA CDs offer solid saving options with fixed, variable and adjustable rates, but the interest-earning potential isn’t competitive with higher-yield options from other banks. earned an overall rating of 4.1 out of 5 from Bankrate, and its CDs earned 2.5 out of 5. USAA Bank CD Rates
USAA Bank fixed-rate and adjustable-rate CDs have a reasonable minimum deposit requirement; the variable-rate CDs have a low opening deposit requirement. In addition, interest compounds daily. USAA doesn’t offer specialty CDs, such as no-penalty CDs or CDs that offer a rate bump. The bank does offer multiple term lengths, ranging from 30 days to seven years. Here are USAA’s CD rates as of Feb. 23, 2022. Fixed-rate CDs
Term APY Minimum deposit 1 month N/A* $1,000 91 days 0.01% $1,000 4 months N/A* $1,000 5 months N/A* $1,000 182 days 0.01% $1,000 7 months 0.01% $1,000 9 months 0.01% $1,000 1 year 0.03% $1,000 15 months 0.03% $1,000 18 months 0.03% $1,000 2 years 0.03% $1,000 30 months 0.03% $1,000 3 years 0.03% $1,000 4 years 0.03% $1,000 5 years 0.03% $1,000 7 years 0.04% $1,000 *One-, four- and five-month CDs earn 0.01% APY starting at the $95,000 jumbo deposit level. Adjustable-rate CDs
Term APY Minimum deposit 3 years 0.01% $1,000 4 years 0.01% $1,000 5 years 0.01% $1,000 7 years 0.01% $1,000 Variable-rate CDs
Term APY Minimum deposit 182 days 0.01% $250 1 year 0.01% $250 How USAA Bank compares with top-yielding banks
While USAA Bank offers CDs that are easy to access for members and come with a variety of terms and APY options, the bank’s CD APYs are very low compared with the on the market. USAA does offer low deposit requirements and daily . Other savings options
USAA Bank offers several other , including: USAA Savings Account: With only a $25 opening deposit required and no monthly service fees, this account is a smart option for novice savers. USAA Performance First: For balances of $10,000 or more, this savings account offers higher interest rates as your balance grows. A balance of at least $500,000 is needed to earn the highest yield. USAA Classic Checking: Members earn interest on checking balances of $1,000 or more; there’s no monthly fee and no minimum balance required. USAA Cashback Rewards Checking: This account requires a $25 minimum deposit and allows members to earn 10 cents back on every debit-card purchase. The USAA Cashback Rewards Checking account earns no interest, but also has no monthly service fee. Learn more
SHARE: René Bennett is a writer for Bankrate, reporting on banking products and personal finance. David Schepp is a wealth editor for Bankrate, focusing on deposits and consumer banking content. Related Articles