IRA Certificate of Deposit (CD) — Rates

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 I R A Certificate of Deposit (CD) — Rates

Rate Information

 
Fixed Rate —  Annual Percentage Yield
Term Standard
Minimum Deposit: $250		 Jumbo
Minimum Deposit: $95,000		 Super Jumbo
Minimum Deposit: $175,000
12 months 1.80% 1.80% 1.80%
24 months 1.40% 1.40% 1.40%
36 months 1.30% 1.30% 1.30%
48 months 1.25% 1.25% 1.25%
60 months 1.25% 1.25% 1.25%
84 months 1.25% 1.25% 1.25%

 Annual Percentage Yields current as of 04/23/2025. Rates subject to change.

To learn about other  I R A types and terms, call us at 800-531-8722.

Membership eligibility and product restrictions apply and are subject to change.Rates are subject to change daily. Fixed and adjustable CD rates are not guaranteed until your CD is issued. Annual Percentage Yield, also known as APY, assumes that interest remains on deposit until maturity. Withdrawals will reduce the amount of interest earned. Substantial penalty for early withdrawal. We deduct the early withdrawal penalty from the CD account's earned interest first, and then we deduct any remaining early withdrawal penalty from the principal amount of the CD account. Fees may reduce earnings on your account. Minimum initial deposit and minimum balance is $250 for Standard IRA CD and for Standard Variable rate CD, $1,000 for Standard Fixed CD and Adjustable CD, $95,000 for Jumbo CD and $175,000 for Super Jumbo CD. With an adjustable rate CD, you may make a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. See Depository Agreement for details.Deposit products and services offered by USAA Federal Savings Bank, Member FDIC.7642447