USAA CD Rate - 3 Year
USAA's 3 Year CD pays 1.30% APY as of October 27, 2026, checked 9 hours ago. Since RateBrain began tracking it in 2010, this 3 Year CD has paid as much as 4.00% (Aug 2023) and as little as 0.28% (Sep 2020). It is currently below the median 3 Year CD rate we track (3.40% across 120 banks).
1.30% APY
down from 2.75% on Oct 9
- Last checked
- Oct 27 · 9 hours ago
- Minimum deposit
- $1,000
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See the full USAA 3 Year CD rate history »
USAA CD Rate - 3 Year CD - Rate History
Now 1.30% APY
- All-time high 4.00% (Aug 2023)
- Low 0.28% (Sep 2020)
- 1-year change −1.45
- 59 changes
- Tracked since May 2010
- Full rate history »
The gray line is the median 3 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 9, 2026 | 1.30% | −1.45 |
| October 5, 2023 | 2.75% | −1.25 |
| August 1, 2023 | 4.00% | +0.10 |
| July 10, 2023 | 3.90% | +0.19 |
| December 25, 2022 | 3.71% | +3.43 |
| September 3, 2020 | 0.28% | −0.05 |
| August 7, 2020 | 0.33% | −0.07 |
| July 29, 2020 | 0.40% | −0.06 |
| July 13, 2020 | 0.46% | −0.08 |
| June 22, 2020 | 0.54% | −0.06 |
| June 10, 2020 | 0.60% | −0.15 |
| May 29, 2020 | 0.75% | −0.11 |
| May 24, 2020 | 0.86% | −0.07 |
| April 29, 2020 | 0.93% | −0.09 |
| April 18, 2020 | 1.02% | −0.13 |
| March 28, 2020 | 1.15% | +0.58 |
| March 18, 2020 | 0.57% | −0.74 |
| March 6, 2020 | 1.31% | −0.30 |
| March 1, 2020 | 1.61% | −0.15 |
| February 14, 2020 | 1.76% | −0.01 |
Show all 59 changes
| Date | APY | Change |
|---|---|---|
| January 31, 2020 | 1.77% | −0.09 |
| January 10, 2020 | 1.86% | +0.03 |
| December 28, 2019 | 1.83% | −0.09 |
| December 6, 2019 | 1.92% | −0.02 |
| November 26, 2019 | 1.94% | −0.05 |
| November 18, 2019 | 1.99% | −0.06 |
| September 20, 2019 | 2.05% | −0.06 |
| September 13, 2019 | 2.11% | −0.09 |
| August 29, 2019 | 2.20% | −0.12 |
| August 5, 2019 | 2.32% | −0.08 |
| July 15, 2019 | 2.40% | −0.08 |
| May 30, 2019 | 2.48% | −0.06 |
| February 18, 2019 | 2.54% | +0.01 |
| January 30, 2019 | 2.53% | +0.02 |
| January 9, 2019 | 2.51% | +0.07 |
| November 26, 2018 | 2.44% | +0.06 |
| November 7, 2018 | 2.38% | +0.67 |
| April 24, 2018 | 1.71% | +0.80 |
| May 22, 2013 | 0.91% | −0.05 |
| May 7, 2013 | 0.96% | −0.04 |
| April 18, 2013 | 1.00% | −0.06 |
| February 26, 2013 | 1.06% | −0.10 |
| November 23, 2012 | 1.16% | −0.05 |
| September 5, 2012 | 1.21% | −0.10 |
| March 16, 2012 | 1.31% | −0.05 |
| February 22, 2012 | 1.36% | −0.05 |
| September 19, 2011 | 1.41% | −0.09 |
| August 25, 2011 | 1.50% | −0.15 |
| June 20, 2011 | 1.65% | −0.05 |
| March 16, 2011 | 1.70% | −0.05 |
| March 1, 2011 | 1.75% | −0.10 |
| December 14, 2010 | 1.85% | −0.15 |
| October 8, 2010 | 2.00% | −0.05 |
| September 17, 2010 | 2.05% | −0.05 |
| September 15, 2010 | 2.10% | −0.15 |
| July 9, 2010 | 2.25% | −0.05 |
| June 26, 2010 | 2.30% | −0.20 |
| May 17, 2010 | 2.50% | +0.16 |
| May 1, 2010 | 2.34% | first tracked |
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ShareOther USAA rates
- 3 Month CD3.51%
- 6 Month CD2.00%
- 7 Month CD2.25%
- 9 Month CD2.00%
- 1 Year CD1.80%
- 15 Month CD1.70%
- 18 Month CD1.65%
- 2 Year CD1.40%
- 30 Month CD1.30%
- 4 Year CD1.25%
- 5 Year CD1.25%
- 7 Year CD1.25%
- Savings Account3.00%
Other 3 Year CD rates
- State Bank of India5.04%
- Quorum Federal Credit Union4.90%
- BTG Pactual US4.85%
- Popular Direct4.85%
- E*TRADE Bank4.80%
- Synchrony Bank4.65%
Common questions
What is the USAA 3 Year CD rate today?
The USAA 3 Year CD pays 1.30% APY as of October 27, 2026, checked 9 hours ago.
How does the USAA 3 Year CD compare with other 3 Year CDs?
It pays 1.30% APY. The median across the 120 3 Year CD rates RateBrain tracks is 3.40%, so it is 2.10 percentage points below the median.
What has the USAA 3 Year CD paid over time?
Since RateBrain began tracking it in 2010, it has paid as much as 4.00% (Aug 2023) and as little as 0.28% (Sep 2020).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.