USAA CD Rates 2025: Latest APYs, Terms & How They Compare to Top Competitors

Certificates of Deposit (CDs) remain one of the safest and most reliable ways to grow your savings, especially in an unpredictable economic climate. For military members, veterans, and their families, USAA offers a range of CD options designed to provide competitive returns and financial security. However, with so many banks and credit unions vying for your deposits, it’s essential to understand whether USAA’s CD rates and terms align with your savings goals.

This guide provides an in-depth look at USAA’s CD rates for November 2025, including how they stack up against national averages and top competitors. You’ll also learn about the different types of CDs USAA offers, eligibility requirements, and strategies to maximize your returns. Whether you’re a long-time USAA member or considering opening an account, this article will help you make an informed decision.

Current USAA CD Rates & Terms (November 2025)

USAA Federal Savings Bank offers a variety of CD terms, ranging from as short as 91 days to as long as seven years. The bank’s rates are structured to reward larger deposits and longer commitments, with standard, jumbo, and super jumbo options available. Here’s what you need to know about the latest rates and terms:

Standard CDs: Require a minimum deposit of $1,000 and offer annual percentage yields (APYs) up to 2.25%, depending on the term and deposit amount. These CDs are ideal for savers who want to lock in a fixed rate without tying up a significant amount of capital.
Jumbo CDs: Require a minimum deposit of $95,000 and typically provide higher APYs than standard CDs. These are best suited for individuals with substantial savings who want to earn more interest.
Super Jumbo CDs: Require a minimum deposit of $175,000 and offer the most competitive rates USAA has to offer. These are designed for high-net-worth individuals looking to maximize their earnings.
Term Lengths: USAA stands out for its flexible term options, including uncommon lengths like 182 days or seven months. This variety allows you to tailor your CD to your specific financial timeline.
Rate Comparison: As of November 2025, USAA’s 1-year CD offers an APY of 1.80%, which is slightly above the national average of 1.68%. However, online banks such as Ally Bank and Marcus by Goldman Sachs often provide even higher yields, particularly for shorter-term CDs.

USAA’s rates are competitive with traditional brick-and-mortar banks, but they may not always match the top yields available from online-only institutions. For example, while USAA’s 1-year CD rate is above average, you might find rates as high as 2.50% or more at some online banks. This makes it crucial to compare options before committing your funds.

How USAA CD Rates Compare to Competitors

When evaluating USAA’s CD rates, it’s helpful to compare them to both national averages and the rates offered by leading competitors. Here’s how USAA measures up:

National Averages: USAA’s rates are generally higher than the national average for most CD terms. For instance, the national average for a 6-month CD is 1.46%, while USAA’s 7-month CD offers a slightly higher APY. This makes USAA a solid choice if you prioritize stability and trust over chasing the absolute highest yield.
Online Banks: Online banks like Ally Bank, Discover, and Capital One often offer more competitive rates, especially for shorter-term CDs. These banks can afford to pay higher yields because they operate with lower overhead costs.
Credit Unions: Some credit unions also provide attractive CD rates, particularly for members who meet specific eligibility criteria. However, USAA’s military-focused membership model and reputation for excellent customer service make it a preferred choice for many service members.
Pros of USAA CDs: USAA is known for its strong customer service, lack of monthly fees, and a wide range of financial products. If you already have other accounts with USAA, opening a CD can simplify your financial management.
Cons of USAA CDs: The primary drawback is that USAA’s rates, while competitive, are not always the highest available. Additionally, USAA has limited physical branches, which may be a consideration if you prefer in-person banking.

For savers who are eligible for USAA membership, the bank’s CDs offer a convenient and reliable way to grow your money. However, if your primary goal is to earn the highest possible return, it’s worth exploring rates from online banks and credit unions as well.

Types of USAA CDs

USAA offers several types of CDs, each designed to meet different financial needs. Understanding the differences can help you choose the right option for your savings strategy:

Fixed Rate CDs: These are USAA’s standard CDs, where the interest rate is locked in for the entire term. This provides predictability, as you’ll know exactly how much interest you’ll earn over the life of the CD. Fixed rate CDs are ideal for savers who want a guaranteed return and don’t need access to their funds until the CD matures.
Variable Rate CDs: Unlike fixed rate CDs, variable rate CDs allow the interest rate to fluctuate over time. This can be advantageous if interest rates rise, but it also introduces uncertainty. Variable rate CDs require a minimum deposit of $250 and allow additional deposits during the term, offering more flexibility.
Adjustable CDs: USAA’s adjustable CDs are a unique offering that allows you to modify the interest rate under certain conditions. This can be useful if you anticipate changes in the economic environment but still want the security of a CD.

Each type of CD has its own advantages, depending on your financial goals and risk tolerance. Fixed rate CDs are best for those who want stability, while variable and adjustable CDs offer more flexibility in exchange for potentially lower starting rates.

Eligibility & Membership Requirements

USAA’s products and services, including CDs, are exclusively available to military members, veterans, and their eligible family members. To open a USAA CD, you must first become a USAA member. Here’s how to determine if you’re eligible:

Active Duty Military: If you’re currently serving in the U.S. military, you qualify for USAA membership.
Veterans: Honorably discharged veterans are also eligible to join USAA.
Family Members: Spouses, children, and other dependents of USAA members may also qualify for membership.
Cadets and Midshipmen: Students at U.S. service academies are eligible to join USAA.

If you meet the eligibility criteria, becoming a USAA member is a straightforward process. You can apply online, and once approved, you’ll have access to USAA’s full range of banking, insurance, and investment products. Membership is free, and there are no monthly fees for most accounts, including CDs.

Early Withdrawal Penalties & Maturity Options

One of the key considerations when opening a CD is understanding the penalties for early withdrawal. USAA imposes penalties if you withdraw your funds before the CD reaches its maturity date. The exact penalty depends on the term of the CD and how much time is left until maturity. For example:

Short-Term CDs: Penalties for early withdrawal on CDs with terms of less than one year may include forfeiting a portion of the interest earned.
Long-Term CDs: For CDs with longer terms, the penalty may be more substantial, potentially including a percentage of the principal.
Maturity Options: When your CD matures, USAA provides a 10-day grace period during which you can withdraw your funds, renew the CD, or adjust the terms. If you don’t take action, the CD will automatically renew at the current rate.

It’s important to plan ahead and ensure you won’t need access to your funds before the CD matures. If you anticipate needing liquidity, consider a shorter-term CD or a savings account instead.

Is a USAA CD Right for You?

Deciding whether to open a USAA CD depends on your financial goals, risk tolerance, and eligibility. Here are some factors to consider:

Best For Military Families: USAA is an excellent choice for military members and their families who value convenience, trust, and the ability to manage all their accounts in one place.
Competitive Rates: While USAA’s rates are above the national average, they may not be the highest available. If earning the maximum possible return is your priority, you may want to compare rates from online banks and credit unions.
Flexibility: USAA’s variable and adjustable CDs offer more flexibility than traditional fixed rate CDs, making them a good option if you expect interest rates to rise.
Long-Term Savings: If you’re saving for a specific goal, such as a down payment on a home or your child’s education, a USAA CD can provide a safe and predictable way to grow your money.

Ultimately, the decision to open a USAA CD should be based on your individual financial situation and goals. If you’re already a USAA member, opening a CD can be a seamless way to diversify your savings portfolio.

Step-by-Step Guide: How to Open a USAA CD

Opening a USAA CD is a simple process that can be completed online. Here’s a step-by-step guide to help you get started:

Log In to Your USAA Account: If you’re already a member, log in to your USAA account. If not, you’ll need to apply for membership first.
Navigate to the CDs Section: Once logged in, go to the banking section and select “Certificates of Deposit.”
Choose Your CD Type and Term: Select the type of CD you want (fixed, variable, or adjustable) and the term length that best fits your savings goals.
Enter Your Deposit Amount: Specify how much you want to deposit, ensuring it meets the minimum requirement for the CD type you’ve chosen.
Review and Confirm: Carefully review the terms, including the interest rate, maturity date, and any penalties for early withdrawal. Once you’re satisfied, confirm your deposit to open the CD.
Fund Your CD: Transfer the required funds from your USAA savings or checking account, or from an external account.

USAA’s customer service team is available 24/7 to assist you with any questions or concerns during the process. You can reach them by phone or chat for personalized support.

Tips for Maximizing CD Returns

To get the most out of your USAA CD, consider the following strategies:

CD Laddering: Instead of putting all your money into a single CD, spread it across multiple CDs with different term lengths. This allows you to take advantage of higher rates for longer terms while maintaining access to a portion of your funds as shorter-term CDs mature.
Reinvest Interest: If you don’t need the interest payments immediately, consider reinvesting them into your CD to compound your earnings over time.
Monitor Rates: Keep an eye on interest rate trends. If rates rise significantly, you may want to consider opening a new CD with a higher yield.
Combine with Other Savings: Use USAA CDs as part of a broader savings strategy that includes high-yield savings accounts, money market accounts, and other investment vehicles.

By implementing these strategies, you can maximize the returns on your USAA CDs and achieve your financial goals more effectively.

Conclusion

USAA’s CD rates for November 2025 offer a competitive and secure way for military members, veterans, and their families to grow their savings. While USAA’s rates are above the national average, they may not always be the highest available, particularly when compared to online banks. However, USAA’s reputation for excellent customer service, lack of monthly fees, and flexible term options make it a strong choice for eligible savers.

Before opening a USAA CD, take the time to compare rates and terms from other financial institutions to ensure you’re getting the best possible deal. Consider your financial goals, risk tolerance, and liquidity needs to determine whether a USAA CD is the right fit for you. With careful planning and a clear understanding of your options, you can make the most of your savings and secure your financial future.