USAA Variable Rate CD
USAA Variable Rate CD
in CD Accounts from USAA · Member FDIC

USAA Variable Rate CD

in CD Accounts from USAA · Member FDIC
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend USAA Variable Rate CD to your friends?

Thanks for your vote!

You voted: May or may not recommend

APY (Annual Percentage Yield) 0.25% - 0.55%
(Verified 08/04/2023)
Minimum Opening Deposit Starting at $250
Certificate Term
  • 6 months
  • 12 months

USAA Variable Rate CD Review

USAA Variable Rate CD are offered by USAA, a financial services company founded in 1922 and based in San Antonio, TX. USAA Variable Rate CD are available in 50 states (and Washington, DC).

Key Takeaways

  • Only one CD type available. USAA Variable Rate CD only offers traditional CD accounts.
  • Low APY. The maximum annual percentage yield for this account is only 0.55%.
  • $250 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
  • Limited selection of CD terms. USAA Variable Rate CD only offers two CD terms. This limits your options when trying to set up a CD ladder.

Pros & Cons of USAA Variable Rate CD

Pros Cons
  • FDIC insured.
  • Available in all 50 states.
  • High-interest yield.
  • Poor selection of CD terms.
  • There isn't a no-penalty CD option.
  • Does not offer an IRA CD.

USAA Variable Rate CD FAQ

Are CD from USAA federally insured?

Yes, your USAA CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #34351). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What types of CDs does USAA offer?

USAA Variable Rate CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.

What rates does USAA offer on its CDs?

USAA Variable Rate CD offers an APY starting at 0.25% and ranging up to 0.55%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does USAA Variable Rate CD offer?

USAA offers CD terms of the following lengths:
USAA Variable Rate CD Rates & Terms
APY (Annual Percentage Yield) 0.25% - 0.55%
6-Month APY 0.25%
12-Month APY 0.55%

What is the minimum deposit to open a CD account with USAA?

USAA Variable Rate CD require a minimum deposit of $250 to open an account.

What is the grace period for USAA Variable Rate CD?

There is a 10-day grace period for USAA Variable Rate CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does USAA charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.

USAA does not charge an early withdrawal fee.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From USAA Variable Rate CD

Maximize your savings potential. Choose the term and deposit amount that are right for you. We have a range of terms to meet your needs, from 30 days to 7 years. All of our CDs are insured up to FDIC limits. Knowing your interest earnings can help you plan for your goals.

Variable interest rate. USB may change the interest rate on your CD at any time at its discretion. CD is a 2-year term. CD automatically renews for a new 2-year term on the maturity date. Ready to earn more interest? Reach your savings goals sooner.


Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA

Icon for CD Accounts
View all cd accounts offered by USAA

Other CD Accounts by USAA



  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $250
APY (Annual Percentage Yield) 0.25% - 0.55%
(Verified 08/04/2023)
6-Month APY 0.25%
12-Month APY 0.55%
Certificate Term
  • 6 months
  • 12 months
CD Accounts Traditional
Grace Period for Account Changes 10 days

Be the first to rate


Would you recommend USAA Variable Rate CD to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other CD Accounts