Now that the FDIC deposit insurance limit is permanently set to $250,000, you can now open jumbo long-term CDs without worrying that some of the amount will eventually become insured.. For those who prefer to stay under the standard limit, this gives you more choices. USAA Bank which has some very high long-term super jumbo rates. These are some of the best CD rates currently available online. You can find them at USAA Bank’s CD rates page and at the IRA CD rates page.

• 2.56% APY 3-year CD
• 2.81% APY 4-year CD
• 3.31% APY 5-year CD
• 3.86% APY 7-year CD

The super jumbo 15-month CD is also competitive with a 1.60% APY.

These rates require a minimum deposit of $175K. Lower rates are available for minimums of $1K and $95K.

There was a time that only those with military connection could open bank accounts at USAA, but this is no longer the case. People from any state can open CDs and other bank accounts online at usaa.com.

USAA Federal Savings Bank is headquartered in San Antonio, Texas.