3773 Howard Hughes Parkway, #190n
Las Vegas, NV 89109
1-800-531-USAA (8722)
www.usaa.com



USAA Savings Bank is headquartered in Las Vegas and is the 2nd largest bank in the state of Nevada. It is also the 76th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 42 employees at 1 location. USAA Savings Bank's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.




USAA Savings Bank CD Rates

ApyMinMaxProduct
1.86%$175k-7 Year Super Jumbo CD
1.80%$95k$175k7 Year Jumbo CD
1.76%$175k-5 Year Super Jumbo CD
1.75%$1k$95k7 Year Standard CD
1.71%$95k$175k5 Year Jumbo CD
1.66%$1k$95k5 Year Standard CD
1.60%$175k-4 Year Super Jumbo CD
1.55%$95k$175k4 Year Jumbo CD
1.50%$1k$95k4 Year Standard CD
1.41%$175k-3 Year Super Jumbo CD
1.36%$95k$175k3 Year Jumbo CD
1.31%$1k$95k3 Year Standard CD
1.30%$175k-30 Month Super Jumbo CD
1.25%$95k$175k30 Month Jumbo CD
1.20%$1k$95k30 Month Standard CD
1.20%$175k-2 Year Super Jumbo CD
1.15%$95k$175k2 Year Jumbo CD
1.10%$1k$95k2 Year Standard CD
1.06%$175k-18 Month Super Jumbo CD
1.00%$95k$175k18 Month Jumbo CD
1.00%$175k-1 Year Super Jumbo CD
1.00%$175k-15 Month Super Jumbo CD
0.95%$1k$95k18 Month Standard CD
0.95%$95k$175k1 Year Jumbo CD
0.95%$95k$175k15 Month Jumbo CD
0.91%$175k-270 Day Super Jumbo CD
0.90%$1k$95k15 Month Standard CD
0.87%$175k-7 Year Adjustable Super Jumbo CD
0.86%$1k$95k1 Year Standard CD
0.86%$95k$175k270 Day Jumbo CD
0.82%$95k$175k7 Year Jumbo Adjustable CD
0.81%$175k-7 Month Super Jumbo CD
0.78%$175k-5 Year Adjustable Super Jumbo CD
0.77%$1k$95k7 Year Standard Adjustable CD
0.76%$1k$95k270 Day Standard CD
0.76%$95k$175k7 Month Jumbo CD
0.76%$175k-182 Day Super Jumbo CD
0.73%$95k$175k5 Year Jumbo Adjustable CD
0.71%$95k$175k182 Day Jumbo CD
0.71%$250-1 Year Variable CD
0.68%$1k$95k5 Year Standard Adjustable CD
0.66%$1k$95k7 Month Standard CD
0.61%$1k$95k182 Day Standard CD
0.61%$175k-4 Year Adjustable Super Jumbo CD
0.60%$175k-150 Day Super Jumbo CD
0.56%$95k$175k4 Year Jumbo Adjustable CD
0.56%$250-182 Day Variable CD
0.55%$95k$175k150 Day Jumbo CD
0.55%$175k-120 Day Super Jumbo CD
0.51%$1k$95k4 Year Standard Adjustable CD
0.50%$95k$175k120 Day Jumbo CD
0.45%$175k-91 Day Super Jumbo CD
0.42%$175k-3 Year Adjustable Super Jumbo CD
0.40%$95k$175k91 Day Jumbo CD
0.39%$175k-30 Day Super Jumbo CD
0.37%$95k$175k3 Year Jumbo Adjustable CD
0.35%$1k$95k91 Day Standard CD
0.34%$95k$175k30 Day Jumbo CD
0.32%$1k$95k3 Year Standard Adjustable CD
0.00%$1k$95k30 Day Standard CD
0.00%$1k$95k120 Day Standard CD
0.00%$1k$95k150 Day Standard CD

Rates updated: 5/21/2012

Data for Q1 2012


Institution Statistics


USAA Savings Bank
FDIC Certificate #34351
BankRate ReportView
Year Established1996
Employees42
Primary RegulatorFDIC

Assets and Liabilities

Assets$14.75 billion
Loans$13.92 billion
Deposits$742.55 million
Equity Capital$3.64 billion
Loan Loss Allowance$454.32 million
Unbacked Noncurrent Loans$116.43 million

Historic Data - March 2011

Assets$13.77 billion
Equity Capital$3.10 billion
Loan Loss Allowance$544.42 million
Unbacked Noncurrent Loans$118.56 million

Profit Margin - Quarterly

Net Interest Margin7.44%
Return on Assets3.45%
Return on Equity14.46%
Interest Income$296.30 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 USAA Savings Bank had $116.43 million in non-current loans and owned real-estate with $4.1 billion in equity and loan loss allowances on hand to cover it. This gives USAA Savings Bank a Texas Ratio of 2.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for USAA Savings Bank held steady from 3.25% as of March 31, 2011 to 2.84% as of March 31, 2012, resulting in a positive change of 12.56%.This indicates that the balance sheet and financial strength for USAA Savings Bank has held steady in recent periods.
Deposit Growth4
In the past year, USAA Savings Bank has increased its total deposits by $31.2 million, resulting in 4.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth USAA Savings Bank has shown is above average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. USAA Savings Bank has $14.75 billion in assets with $4.1 billion in equity, resulting in a capitalization level of 27.78%, which is excellent.
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