USAA CD Rates and Terms for 2025

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If you’dlike to open a USAA CD, knowing the current rates is helpful. The minimum deposit for a standard CD is $1,000, a jumbo CD is $95,000 and a super jumbo CD is $175,000. Here’s a breakdown of the current terms and corresponding APYs.

How USAA’s CD Rates Compare to the National Average

USAA’s CD APYs are slightly below the national average and notably lower than those offered by many online banks. If securing a higher return is your primary goal, exploring CDs from online banks or other financial institutions may be beneficial.

For example, the APY for a 6-month CD from Ally Bank is , which is significantly higher than USAA Bank’s 7-month CD APY of . The national average for a 6 month CD in June 2025 is 1.57.

USAA CD Types, Terms and Minimum Deposit Requirements

Savers who want to lock in an attractive APY for a predetermined length of time can turn to CDs. USAA offers three different types of CDs:

• Fixed-rate CDs: These CDs earn the same interest rate for the duration of the CD term.
• Adjustable-rate CDs: These CDs allow you to make a one-time adjustment to your CD rate, up to a 2% increase above the original rate. If interest rates rise during your CD term, this feature can come in handy. You can get an adjustable-rate CD with a term of three, four, five or seven years.
• Variable-rate CDs: These CDs have an interest rate that can change at any time. The rate will vary based on the market conditions and the bank’s discretion. You can get a variable-rate CD with terms of 182 days or one year. You’ll need to make a minimum deposit of $250 to open this type of CD.

As of this writing, the adjustable-rate and variable-rate CDs both have APYs of for all terms.

Beyond these three basic structures, USAA offers different CDs based on the balance you choose. You’ll need at least $1,000 to open a standard CD with a fixed or adjustable rate, at least $95,000 to open a Jumbo CD, and at least $175,000 to open a Super Jumbo CD. Although these come with different balance requirements, Jumbo and Super Jumbo CDs generally feature the same rate offered by the standard CD for each term.

Additionally, USAA offers Jumbo and Super Jumbo CDs with terms of 30, 120 and 150 days, all of which feature an APY of . Interest accrues daily and is paid monthly. 

Key Features of USAA CD

If you’d like to invest in a USAA CD, it may be helpful to know some of the key features: 

• Varying terms: USAA CDs have terms from 30 days to seven years.
• Minimum deposit: Standard CDs require a $1,000 minimum deposit.
• CD options for higher amounts: USAA offers a jumbo and super jumbo CD.
• Interest compounds: Interest compounds daily and is credited monthly.
• Easy management: Account management through online and mobile banking.
• Monthly fees or maintenance charges: No monthly fees or maintenance charges.
• Fixed interest rate: A fixed interest rate for the duration of the CD term.

How To Open a USAA CD Account

If you want to open a USAA CD, the first step is to apply for membership. You’ll need to have a qualifying military connection to get approved.

If USAA accepts you as a member, you can open a CD. Be prepared to provide some basic information like your name, Social Security number, address and the account you’ll use to fund your CD.

If you need help opening your CD, you can contact USAA customer service 24 hours a day via phone or chat. The phone number is 1-800-531-8722. 

How USAA CD Rates Compare to Competitors

If you’d like to shop around for different rates for your CD, here’s a look at competitors and what they offer: 

USAA vs. Ally Bank

Ally Bank offers a 1-year CD for with no minimum deposit. The APY is significantly higher than USAA. There’s no additional eligibility requirement to qualify for a USAA CD. However, USAA remains a good option for its military-focused membership and customer service.

USAA vs. BMO Alto

BMO Alto does not require a minimum deposit for its one or five-year CD. The 1-year CD has a APY and the 5-year CD offers a APY. Both APYs are substantially higher than USAA. In addition, USAA requires a minimum deposit of $1,000.

USAA vs. Capital One

Capital One provides significantly better rates with fewer restrictions. There is no minimum deposit requirement and the APY for the 5-year CD is % compared to USAA’s five year APY of .

Early Withdrawal Penalties With USAA CDs

If you need to withdraw your funds early, expect to pay one of the following early withdrawal penalties, depending on the term of the CD:

While the early withdrawal penalties are steep, the good news is that you won’t face any monthly fees. 

If you’d like to avoid early withdrawal penalties, follow these tips: 

• Choose a no-penalty CD: Choosing this CD will allow you to withdraw funds without incurring a penalty. 
• Consider CD laddering: CD laddering involves dividing your investment into multiple CDs with staggered maturity dates
• Match your CD term with your liquidity needs: Choose a CD term that aligns with your financial goals. 
• Invest in a short-term CD: If you’re uncertain about your liquidity needs, then opt for a short-term CD. 

Benefits of USAA CDs

USAA CDs offer several benefits. Those benefits include: 

• No fees: No maintenance fees or hidden charges
• Varying terms: Options available for different CD terms
• FDIC insured: Funds are FDIC insured up to $250,000
• Competitive rates: Competitive interest rates for military members and their families
• Accessibility: Easy access to account management through the website and app

Potential Drawbacks of USAA CDs

If you’re considering USAA CDs you should be aware of the drawbacks. The drawbacks include: 

• Membership requirements: You must meet membership requirements. Requirements include being a party of the military either as active duty, guard or reserve member. Families of these military personnel are eligible for a USAA CD. 
• Limited branch access: There is limited branch access compared to traditional banks.
• More competitive rates: There are likely more competitive rates elsewhere.
• Early withdrawal penalties: If you choose to withdraw early, you will pay a penalty.        

The Bottom Line

USAA offers a wide range of CD terms. Some of the terms available come with attractive rates attached. However, many of the rates available are somewhat lackluster. Before opening a USAA CD, it makes sense to shop around for the top rates for the particular CD term you have in mind.

Sarah Sharkey contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 12, 2025.

*Ally Bank, BMO Alto and Capital One interest rates are accurate as of Aug. 12, 2025. See the website for all current rates.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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