Top Jumbo Mid-Term CD Rates at USAA Bank - Available Nationwide


4.75%$175k-USAA Bank15 Month CD - Super Jumbo
4.65%$175k-USAA Bank18 Month CD - Super Jumbo
4.40%$175k-USAA Bank2 Year CD - Super Jumbo
2.75%$175k-USAA Bank30 Month CD - Super Jumbo
2.75%$175k-USAA Bank3 Year CD - Super Jumbo
Rates as of February 20, 2024.

USAA Bank used to offer very competitive Jumbo CD rates for its long-term CDs. Unfortunately, in the last couple of months, the Jumbo CD rates for terms over 4 years haven't been much better than the regular CD rates, and you can get better 5-year and 7-year CD rates at several other internet banks. However, USAA Bank still offers a nice premium rate for the shorter-term Jumbo CDs, and some of these are very competitive. The following are some of the best Super Jumbo CD rates listed at USAA Bank's CD rates page as of 1/27/2011:

  • 2.15% APY 3-year CD
  • 1.96% APY 30-month CD
  • 1.80% APY 2-year CD
  • 1.70% APY 18-month CD
  • 1.50% APY 15-month CD

These rates require a minimum deposit of $175K. The rates are 25 basis points lower for a $95K minimum. For a $1K minimum, rates are 30 to 35 basis points lower. The 2-year and 3-year CDs are also available as IRA CDs.

According to USAA Bank's Depository Agreement, the early withdrawal penalty is 180 days of interest for terms over 1 year and under 7 years. It's 90 days of interest for terms over 30 days and up to 1 year. It's 365 days of interest for the 7-year term.

Another important thing to note in the disclosure is that the bank has the right to refuse an early withdrawal request: "Any withdrawals before the maturity date require Bank’s consent." However, it appears this would probably only be used to offset money that is owed to USAA such as due to unpaid loans.

When I contacted USAA last year, I was told that they typically change rates on Fridays so I hope these don't change tomorrow. According to the CSR, the CD rate will lock at the time you submit the application. Funding can be done by an ACH transfer from your current checking or savings account. At maturity, you can call and instruct them to transfer the CD funds to another account via ACH.

Available to All

There was a time that only those with military connection could open bank accounts at USAA. This exclusion no longer applies to most banking services. People from any state can open CDs and other bank accounts online at Please refer to USAA Bank's membership page for the full details.

USAA Federal Savings Bank is headquartered in San Antonio, Texas. It's a large bank with $43.61 billion in assets. The bank has an overall health score at of 4 out of 5 with a Texas Ratio of 4.50% (excellent) based on September 2010 data. Please refer to our financial overview of USAA Bank for more details. It has been a FDIC member since 1983 (FDIC Certificate # 32188).

Searching for the Best CD Rates

To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of

Related Pages: USAA Bank, CD rates, IRA rates

USAA Bank Increases 7-Year CD Rates - Best 7-Year CD Rates in the Nation

You can now get very close to a 4.00% CD at USAA Bank. It recently increased the rate of its 7-year CDs, and the Super Jumbo now has a 3.96% APY. This requires a $175K deposit. Below is the full list of rates for the different minimum deposits:

APYs of USAA Bank's 7-year CD and IRA CD as of 8/06/2010

  • 3.96% min $175,000
  • 3.70% min $95,000
  • 3.60% min $1,000

Note, after 7-years with a 3.96% APY, $175K will grow to $229.7K which is under the standard FDIC deposit insurance limit. That's one of the very...

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Top Jumbo Long-Term CDs at USAA Bank - Available Nationwide

With the standard FDIC deposit insurance limit permanently set to $250K, depositors can now open jumbo long-term CDs without worrying that some of the amount will become uninsured in 2014. For those who prefer to stay under the standard limit, this gives you more choices. One bank to consider is USAA Bank which has some very competitive long-term super jumbo rates. These are listed at USAA Bank's CD rates page and at the IRA CD rates page as of 7:00am on 7/23/2010:

  • 2.56% APY 3-year CD, 6-mo EWP
  • 2.81% APY 4-year CD,...
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Competitive CD Rates at USAA Federal Savings Bank - Nationally Available
USAA Federal Savings Bank is offering some competitive mid-term and long-term CD rates expecially on its Super Jumbo CDs which require a $175K minimum deposit. Below is a list of all of the CDs with terms of 15 months and above. I didn't list the shorter terms since those rates are not as competitive. These are based on the bank's rate table as of 8/04/2009:

USAA's Certificate of Deposit rates as of 8/04/2009:


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3.25% 2-Year CD at USAA Bank - Nationally Available but Membership Restrictions
USAA Bank is offering a 3.25% APY 2-year promotional CD. Minimum deposit is $1,000. The offer expires 5/31/09. The small print states that you must be eligible for USAA property and casualty insurance.

This promotion doesn't seem to be listed at USAA's website. A reader reported being emailed this offer. The email included a link to a webpage that describes the offer and provides a link to the online application. I just called USAA, and the CSR said that those who qualify for USAA property and casualty insurance, but did not...

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$100 Checking Account Bonus at USAA Bank - Nationally Available but Membership Restrictions
USAA Bank is offering a $100 bonus when you open its Free Checking account with direct deposit. The offer expires 5/31/09. Account can be opened online or by calling (800) 531-8132 and mentioning the offer code CEO 100. In December 2009, a $100 bonus will be credited to your checking account if your account has active recurring direct deposit. The small print states that current USAA checking account customers don't qualify, and that you must be eligible for USAA property and casualty insurance. Bonus is considered interest and will be...
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More Past Offers

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.