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USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Effective Dec. 18, 2020, USAA Federal Savings Bank is only able to establish a new Individual Retirement Account (IRA) for existing USAA Federal Savings Bank IRA owners and eligible IRA beneficiaries.

Save for your ideal retirement with tax advantages.

You can grow your retirement savings with our competitive Annual Percentage Yield (APY) and IRA interest rates.

Fixed rate APY

Interest rates

Term

12 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

24 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

36 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

48 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

60 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

84 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Fixed rate APY

Interest rates
Term Standard IRA, minimum deposit: $250 Jumbo IRA, minimum deposit: $95,000 Super jumbo IRA, minimum deposit: $175,000 

12 months

§%

§%

§%

24 months

§%

§%

§%

36 months

§%

§%

§%

48 months

§%

§%

§%

60 months

§%

§%

§%

84 months

§%

§%

§%

Interest rates
Term

12 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

24 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

36 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

48 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

60 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Term

84 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000 

§%

Fixed interest rates

Default Caption Text

Term

12 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

24 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

36 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

48 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

60 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

84 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Fixed interest rates

Default Caption Text
Term Standard IRA, minimum deposit: $250 Jumbo IRA, minimum deposit: $95,000 Super jumbo IRA, minimum deposit: $175,000

12 months

§%

§%

§%

24 months

§%

§%

§%

36 months

§%

§%

§%

48 months

§%

§%

§%

60 months

§%

§%

§%

84 months

§%

§%

§%

Default Caption Text
Term

12 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

24 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

36 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

48 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

60 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Term

84 months

Standard IRA, minimum deposit: $250

§%

Jumbo IRA, minimum deposit: $95,000

§%

Super jumbo IRA, minimum deposit: $175,000

§%

Rates are current as of §

To learn about other IRA types and terms call 800-531-USAA (8722)

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. Rates are subject to change daily. Fixed and adjustable CD rates are not guaranteed until your CD is issued. Annual Percentage Yield, also known as APY, assumes that interest remains on deposit until maturity. Withdrawals will reduce the amount of interest earned. Substantial penalty for early withdrawal. We deduct the early withdrawal penalty from the CD account’s earned interest first, and then we deduct any remaining early withdrawal penalty from the principal amount of the CD account. Fees may reduce earnings on your account. Minimum initial deposit and minimum balance is $250 for Standard IRA CD and for Standard Variable rate CD, $1,000 for Standard Fixed CD and Adjustable CD, $95,000 for Jumbo CD and $175,000 for Super Jumbo CD. With an adjustable rate CD, you may make a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. See Depository Agreement for details.

  3. Deposit products and services offered by USAA Federal Savings Bank, Member FDIC. 

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