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USAA Certificates of Deposit

USAA Certificates of Deposit offers competitive rates and interest rates to its account holders plus giving guarantee of a higher rate of return. The USAA Federal Savings Bank gives adjustable and variable CD rates. CDs are savings certificate which entitle the bearer to receive interest. It can be stated that it is a promissory note issued by a bank. CDs are time deposits that hamper holders from withdrawing funds on demand. There is a penalty involved in early withdrawal. Then comes in the CD Ladder, a policy whereby the investor divides the amount of money to be invested into equal amounts to certificates of deposit having unlike maturity dates. Thus it decreases both the interest rate and re-investment risk. A reference code is also provided for security purposes as well as for the convenience of its customers. There is a calculator tool available on the USAA website to calculate bank rates, interest rates and loans and for the client to make the right decision. You will also find reviews about the organization, its products and services such as secured loans or banking online.

USAA Certificates of Deposit IRAS

The USAA Certificates of Deposit Individual Retirement Accounts (IRAS)
provides tax advantage and security to its members. The contributions made by the clients are Federal Deposit Insurance Corporation (FDIC) insured. They have the option of choosing CD terms varying from 30 days to five years. The interest rate will be higher if the money is kept for a longer period of time. Given below is the Annual Percentage Yield categorized into standard, jumbo and super jumbo rates.

TERMSTANDARD $250-$94,999TERM STANDARD$250-$94,999 JUMBO $95,000-$174,999SUPER JUMBO $175,000 and overSUPER JUMBO $175,000 and over
1 Year0.91 %1.00%1.16%
2 Years1.50%1.55%1.70%
3 Years1.70%1.75%1.91%
4 Years2.01%2.06%2.20%
5 Years2.25%2.30%2.36%
7 Years2.55%2.60%2.64%

Given below is the Interest Rates categorized into standard, jumbo and super jumbo rates.

TERMSTANDARD$250-$94,999JUMBO $95,000-$174,999SUPER JUMBO $175,000-Over
1 Year0.91%1.00%1.15%
2 Years1.49%1.54%1.69%
3 Years1.69%1.74%1.89%
4 Years1.99%2.04%2.18%
5 Years2.23%2.28%2.33%
7 Years2.52%2.57%2.61%

USAA Certificates of Deposit Credit Card

There is no credit rating on the United Services Automobile Association Certificates of Deposit credit card. It offers a secured credit card. The limit of the card is ranges from $250 to $1,500. This is based around the dollar amount established in the USAA two year fixed rate.

If you are looking for further information, you can go through the USAA website.


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