Rate checked November 8, 2026 (today)
USAA 30-month CD rate: 1.30% APY
USAA's 30-month CD pays 1.30% APY. That ranks 17th of the 25 banks we track for this term. The best is 4.70% at Sallie Mae Bank.
- APY
- 1.30%
- Last change
- None yet
- Tracked since Nov 7, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 1.30%, $25,000 earns about $325 in the first year.
The best 30-month CD earns about $1,175 on the same money. Choosing USAA instead gives up about $850 a year.
The middle 30-month rate across 25 banks is 2.00%. Figures are first-year interest at the quoted APY, before taxes.
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USAA 30-month CD rate history
We have tracked this rate since November 7, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 7, 2026 | 1.30% | First tracked |
Banks that pay more for a 30-month CD
USAA CD rates for other terms
Other USAA rates
- USAA savings rate0.01%
- USAA checking rate0.01%
Questions
What is USAA's 30-month CD rate?
USAA pays 1.30% APY on its 30-month CD, based on its own rate page when we last checked. That earns about $325 a year on $25,000.
Is USAA's 30-month CD rate good?
It ranks 17th of the 25 banks we track for this term. The best rate for this term is 4.70% at Sallie Mae Bank, and the middle rate is 2.00%. Choosing USAA over the best costs about $850 a year on $25,000.
Which banks pay more than USAA on a 30-month CD?
Sallie Mae Bank (4.70%), America First FCU (4.35%), State Employees' Credit Union (4.00%).
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