What is the current USAA CD rate?

As of June 2026, USAA CD rates range from approximately 3.75% to 4.25% APY depending on the term. The 12-month CD typically offers the best rate in the lineup. USAA requires a minimum deposit of $1,000 to open a standard CD. USAA membership is required — open to active-duty military, veterans, and their eligible family members. Verify current rates at usaa.com before opening.

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. Eligible family members include spouses, children, and widows or widowers of USAA members. Former USAA members' children retain eligibility even if the parent no longer has an active USAA account.

What is the minimum deposit for a USAA CD?

USAA requires a minimum deposit of $1,000 for standard CDs. Jumbo CDs (requiring $100,000 or more) may offer slightly higher rates. This minimum is consistent with Navy Federal Credit Union and most other military-focused financial institutions. Online banks like Ally and Capital One have no minimum deposit.

How does USAA compare to Navy Federal for CD rates?

Both USAA and Navy Federal Credit Union serve the military community and offer competitive CD rates above national bank averages. Navy Federal's Share Certificate rates are typically slightly higher than USAA's CD rates on equivalent terms (4.25–4.50% vs. USAA's 3.75–4.25%). Navy Federal also offers the EasyStart Certificate with only a $50 minimum. USAA has a broader product range including insurance and investments. Compare both before opening — the rate difference may be 0.25–0.50% APY on 12-month terms.

USAA CD Rates 2026 — Terms, APYs, and How They Compare

USAA CD rates range from approximately 3.75% to 4.25% APY in June 2026, making USAA one of the more competitive options for military families seeking a fixed-rate savings product. USAA is available exclusively to active-duty military, veterans, and their eligible family members — and serves as a full financial institution covering banking, insurance, investments, and loans.

Rates shown are as of June 2026 and change frequently. Verify the current rate at usaa.com before opening an account. USAA membership is required.

USAA CD Rates by Term (June 2026)

Term	Approximate APY
3 months	3.75–3.90%
6 months	3.90–4.00%
12 months	4.00–4.25%
18 months	3.90–4.10%
2 years	3.75–4.00%
3 years	3.50–3.75%
5 years	3.25–3.50%

USAA’s CD rate structure is more consistent across terms than traditional banks — reflecting its commitment to competitive pricing for the military community rather than relying on promotional windows.

How Much Can You Earn?

On a $10,000 deposit at USAA’s approximate 12-month rate of 4.13% APY:

After 12 months: ~$10,413 ($413 in interest)
After 2 years (2-year CD at 3.88% APY): ~$10,791 ($791 in interest)
After 5 years (5-year CD at 3.38% APY): ~$11,818 ($1,818 in interest)

At the national average 12-month CD rate of approximately 1.85% APY, the same $10,000 earns just $185. USAA’s 12-month rate is more than twice the national average.

Early Withdrawal Penalties

Term	Penalty
30 days or less	30 days of interest
31–365 days	90 days of interest
366 days–3 years	180 days of interest
More than 3 years	365 days of interest

USAA’s early withdrawal penalties for CDs longer than 3 years are steep — a full year of interest forfeited on a long-term CD. For shorter terms (under 12 months), the 90-day penalty is moderate and consistent with industry norms.

USAA vs. Navy Federal — Side by Side

	USAA	Navy Federal
Best 12-month APY	~4.13%	~4.40%
Minimum deposit	$1,000	$1,000 ($50 EasyStart)
No-penalty CD	No	No
Federally insured	FDIC (bank)	NCUA (credit union)
Products beyond banking	Insurance, investing, loans	More limited product range
Branch access	Limited (San Antonio HQ)	Military installations worldwide

Navy Federal’s Share Certificate rates are typically 0.25–0.30% APY higher than USAA’s CD rates on equivalent terms. For military families primarily focused on CD yield, Navy Federal tends to win. USAA’s advantage is the integrated financial ecosystem — if you use USAA for auto insurance, homeowners insurance, and investing, keeping your CDs there simplifies your financial picture.

USAA’s Jumbo CDs

USAA offers Jumbo CDs for deposits of $100,000 or more, which may carry slightly higher rates than standard CDs. If you are placing a large sum — such as proceeds from a home sale, inheritance, or pension lump sum — ask USAA about current Jumbo CD rates before opening a standard CD. The rate advantage for jumbo deposits varies and is not always significant.

CD Renewal at USAA

USAA CDs automatically renew at maturity at the prevailing rate for the same term. The grace period is 10 calendar days after maturity — withdraw, change terms, or add funds within that window without penalty. Review USAA’s renewal rate against Navy Federal and top online banks 30 days before maturity.

Who Should Open a USAA CD?

Best for:

USAA members who want to consolidate banking, insurance, and savings in one institution
Military families who value the full USAA ecosystem (auto insurance, homeowners, investments)
Savers with $1,000+ who want consistent rates without waiting for promotions

Consider alternatives if:

Maximizing CD yield is the priority — Navy Federal’s Share Certificates typically pay 0.25–0.30% APY more
You have less than $1,000 (Navy Federal’s EasyStart requires only $50)
You want in-person branch access at a military installation (Navy Federal has far more locations worldwide)

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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy