What is the current USAA CD rate?

USAA's fee schedule (effective October 2025) doesn't list CD rates and points to usaa.com for them, so check the rate for your term there before opening. A standard fixed rate CD needs $1,000 to open.

Who is eligible to open a USAA account?

USAA membership is available to U.S. military members (active-duty, National Guard, and Reserve), veterans who were honorably discharged, and their eligible family members, including spouses, children, and widows or widowers of USAA members.

What is the minimum deposit for a USAA CD?

Per the fee schedule, a standard fixed or adjustable rate CD needs $1,000, a jumbo CD $95,000, and a super jumbo CD $175,000. A variable rate CD needs $250.

What is the USAA early withdrawal penalty?

For CDs of 30 days or fewer it is 30 days of simple interest; more than 30 days up through 1 year, 90 days; more than 1 year but fewer than 5 years, 180 days; 5 years or more, 365 days. USAA applies the penalty to the principal amount withdrawn.

How does USAA compare to Navy Federal for CD rates?

Compare the current rate for your term at each institution. Navy Federal's 12-month certificate rate was 3.70%-3.75% when verified at navyfederal.org in September 2026; USAA's rates are on usaa.com.

USAA CD Rates 2026: Terms, Minimums and Early Withdrawal Penalties

USAA’s fee schedule lists CD terms and penalties but not rates, which USAA posts at usaa.com. Membership is limited to active-duty military, veterans, and their eligible family members. Check the current rate for your term before opening, since CD rates change.

USAA CD Minimums

Per USAA Federal Savings Bank’s Account and Service Fee Schedule (effective October 2025):

CD type	Minimum to open
Fixed rate CD, standard	$1,000
Fixed rate CD, jumbo	$95,000
Fixed rate CD, super jumbo	$175,000
Adjustable rate CD, standard	$1,000
Variable rate CD	$250

A fixed rate CD takes no additional deposits during the term. An adjustable rate CD allows a one-time additional deposit when you elect to adjust the rate, and the adjustment is limited to 2% over the original rate.

Early Withdrawal Penalties

CD term	Penalty (simple interest on the principal withdrawn)
30 days or fewer	30 days
More than 30 days, up through 1 year	90 days
More than 1 year but fewer than 5 years	180 days
5 years or more	365 days

USAA takes the penalty from the CD’s earned interest first and then from principal if needed.

CD Renewal at USAA

USAA’s agreement describes a 10-calendar-day grace period beginning the day after the maturity date. Compare the renewal rate with other banks before maturity.

USAA vs. Navy Federal

	USAA	Navy Federal (verified navyfederal.org, Sept. 2026)
12-month rate	See usaa.com	~3.70%-3.75%
Minimum deposit	$1,000 (standard)	$1,000 ($50 EasyStart)
Federally insured	FDIC (bank)	NCUA (credit union)

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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