USAA CD Rate - 4 Year
USAA's 4 Year CD pays 1.25% APY as of October 27, 2026, checked 9 hours ago. Since RateBrain began tracking it in 2010, this 4 Year CD has paid as much as 4.00% (Aug 2023) and as little as 0.03% (Oct 2021). It is currently below the median 4 Year CD rate we track (3.30% across 89 banks).
1.25% APY
down from 2.50% on Oct 9
- Last checked
- Oct 27 · 9 hours ago
- Minimum deposit
- $1,000
Alert me when this rate changesShare this rate
See the full USAA 4 Year CD rate history »
USAA CD Rate - 4 Year CD - Rate History
Now 1.25% APY
- All-time high 4.00% (Aug 2023)
- Low 0.03% (Oct 2021)
- 1-year change −1.25
- 39 changes
- Tracked since May 2010
- Full rate history »
The gray line is the median 4 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 9, 2026 | 1.25% | −1.25 |
| October 4, 2023 | 2.50% | −1.50 |
| August 1, 2023 | 4.00% | +1.98 |
| September 25, 2022 | 2.02% | +0.26 |
| September 9, 2022 | 1.76% | −0.51 |
| July 28, 2022 | 2.27% | +2.24 |
| October 14, 2021 | 0.03% | −0.23 |
| January 23, 2021 | 0.26% | −0.02 |
| December 18, 2020 | 0.28% | −0.02 |
| August 18, 2020 | 0.30% | −0.05 |
| August 11, 2020 | 0.35% | −0.07 |
| July 24, 2020 | 0.42% | −0.07 |
| July 16, 2020 | 0.49% | −0.08 |
| June 23, 2020 | 0.57% | −0.08 |
| June 5, 2020 | 0.65% | −0.10 |
| June 2, 2020 | 0.75% | −0.23 |
| April 29, 2020 | 0.98% | −0.15 |
| April 17, 2020 | 1.13% | −0.07 |
| March 31, 2020 | 1.20% | +0.69 |
| March 20, 2020 | 0.51% | −1.00 |
Show all 39 changes
| Date | APY | Change |
|---|---|---|
| March 17, 2020 | 1.51% | +0.10 |
| March 12, 2020 | 1.41% | −0.20 |
| March 4, 2020 | 1.61% | −0.17 |
| February 25, 2020 | 1.78% | −0.09 |
| December 6, 2019 | 1.87% | −0.15 |
| October 22, 2019 | 2.02% | −0.03 |
| October 16, 2019 | 2.05% | −0.02 |
| October 2, 2019 | 2.07% | +0.05 |
| September 25, 2019 | 2.02% | −0.05 |
| September 4, 2019 | 2.07% | −0.12 |
| August 19, 2019 | 2.19% | −0.09 |
| August 5, 2019 | 2.28% | −0.11 |
| July 17, 2019 | 2.39% | −0.06 |
| May 24, 2019 | 2.45% | −0.03 |
| November 7, 2018 | 2.48% | +0.61 |
| August 15, 2018 | 1.87% | −0.63 |
| June 4, 2010 | 2.50% | −0.20 |
| May 17, 2010 | 2.70% | +0.10 |
| May 1, 2010 | 2.60% | first tracked |
Set Up Rate Alert
Share this rate
https://ratebrain.com/usaa-4-year-cd
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%
- 3 Year CD1.30%
- 5 Year CD1.25%
- 7 Year CD1.25%
- Savings Account3.00%
Other 4 Year CD rates
- State Bank of India5.04%
- Quorum Federal Credit Union5.00%
- Popular Direct4.95%
- BTG Pactual US4.85%
- Bread Financial4.65%
- Synchrony Bank4.65%
Common questions
What is the USAA 4 Year CD rate today?
The USAA 4 Year CD pays 1.25% APY as of October 27, 2026, checked 9 hours ago.
How does the USAA 4 Year CD compare with other 4 Year CDs?
It pays 1.25% APY. The median across the 89 4 Year CD rates RateBrain tracks is 3.30%, so it is 2.05 percentage points below the median.
What has the USAA 4 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 0.03% (Oct 2021).
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.