Boost your savings with a 91-day fixed-rate CD.
Annual Percentage Yield, or APY, is based on the minimum deposit amount for each CD.
Standard
§%
APY
$1,000 minimum deposit
Jumbo
§%
APY
$95,000 minimum deposit
Super jumbo
§%
APY
$175,000 minimum deposit
Rates are current as of §. Rates subject to change. Fees may reduce earnings.
Annual Percentage Yield (APY) is the amount of interest you would earn over a year and it includes compounding interest.
Interest rate is the amount of interest being paid by the bank without the compounding effect.
Certificates of deposit FAQ
Your CD will automatically renew at the end of each term, called the maturity date. If you let it renew, it’ll have the same term with the rate available on the date of maturity.
We’ll send you a notice 30 days before the maturity date. After the maturity date, you have 10 days to change the term, add or take out money, or close your account.
If you don’t want the account to renew, you must notify us within 10 calendar days after the maturity date. However, if the 10th calendar day is a non-business day, the grace period ends on the immediately preceding business day.
You can transfer funds from your closed CD to another USAA Federal Savings Bank deposit account or to a verified non-USAA account.
Yes. You can own more than one CD at a time.
One feature of CDs you open with USAA Federal Savings Bank is that you can give each account a nickname. That can be especially helpful when you give an account a nickname that matches its related savings goal.
Your CD will have a maturity date based on the term you select when you apply.
Interest begins to accrue on the business day we receive and record your deposit. We pay interest monthly.
You can have us deposit your interest into the CD account or to a different USAA Federal Savings Bank account. If we deposit interest into your CD, we'll credit that interest to your CD balance. You'll then earn interest on the new balance, sometimes referred to as compounding interest.
Yes. There’s a penalty for taking money out of your CD before the maturity date. Early withdrawal penalties are shown in the Account and Service Fee Schedule Opens in a New Window.
In some cases, we may waive an early withdrawal penalty as permitted by law. We deduct the early withdrawal penalty from the CD account's earned interest first. Then we deduct any remaining early withdrawal penalty from the principal amount of the CD account.
If it's important for you to have easy access to your money without an early withdrawal penalty, consider applying for a USAA Federal Savings Bank savings account.