Rate checked November 1, 2026
USAA 3-month CD rate: 3.51% APY
USAA's 3-month CD pays 3.51% APY. That ranks 15th of the 38 banks we track for this term. The best is 4.30% at Bank5 Connect.
What it earns on $25,000
At 3.51%, $25,000 earns about $878 in the first year.
The best 3-month CD earns about $1,075 on the same money. Choosing USAA instead gives up about $197 a year.
The middle 3-month rate across 38 banks is 2.95%. Figures are first-year interest at the quoted APY, before taxes.
Banks that pay more for a 3-month CD
- Bank5 Connect4.30%
- Popular Direct4.30%
- Merrick Bank4.26%
USAA CD rates for other terms
Questions
What is USAA's 3-month CD rate?
USAA pays 3.51% APY on its 3-month CD, based on its own rate page when we last checked. That earns about $878 a year on $25,000.
Is USAA's 3-month CD rate good?
It ranks 15th of the 38 banks we track for this term. The best rate for this term is 4.30% at Bank5 Connect, and the middle rate is 2.95%. Choosing USAA over the best costs about $197 a year on $25,000.
Which banks pay more than USAA on a 3-month CD?
Bank5 Connect (4.30%), Popular Direct (4.30%), Merrick Bank (4.26%).
General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.