Rate checked November 1, 2026

USAA 5-year CD rate: 1.25% APY

USAA's 5-year CD pays 1.25% APY. That ranks 48th of the 62 banks we track for this term. The best is 5.00% at Popular Direct.

What it earns on $25,000

At 1.25%, $25,000 earns about $313 in the first year.

The best 5-year CD earns about $1,250 on the same money. Choosing USAA instead gives up about $937 a year.

The middle 5-year rate across 62 banks is 3.00%. Figures are first-year interest at the quoted APY, before taxes.

Banks that pay more for a 5-year CD

USAA CD rates for other terms

3-month3.51%
6-month2.00%
12-month1.80%
18-month1.65%
2-year1.40%
3-year1.30%

Questions

What is USAA's 5-year CD rate?

USAA pays 1.25% APY on its 5-year CD, based on its own rate page when we last checked. That earns about $313 a year on $25,000.

Is USAA's 5-year CD rate good?

It ranks 48th of the 62 banks we track for this term. The best rate for this term is 5.00% at Popular Direct, and the middle rate is 3.00%. Choosing USAA over the best costs about $937 a year on $25,000.

Which banks pay more than USAA on a 5-year CD?

Popular Direct (5.00%), Quorum Federal Credit Union (5.00%), Sallie Mae Bank (5.00%).

All USAA CD rates Best 5-year CD rates CD rates today Early withdrawal cost

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.