Featured Savings Rates
Featured Accounts
USAA Bank

USAA Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.11%5-year CD5 Year CD - Super Jumbo
0.96%3-year CD3 Year CD - Super Jumbo
1.11%6+ Year CD7 Year CD - Super Jumbo

Overview / Commentary
800-531-8722
10750 Robert F McDermott Fwy
San Antonio, TX 78288

USAA Bank is the Texas-based banking component of the United States Automobile Association, a privately held financial services company offering an array of insurance, banking, investment, and lending products and services. The company’s target market and membership field is limited to members of the U.S. military and their immediate families. The company also has a history of superior credit and service ratings, in addition to its repeated recognitions by major publications for being one of the best companies to work for.

On its personal banking side, USAA Bank offers deposit and loan products to serve its members savings and lending needs. Checking, savings, Certificate of Deposit (CD) and IRA CD accounts are available, as well as auto, home, and personal loans. USAA’s checking accounts feature a free checking option that offers free mobile deposit, BillPay, funds transfers to and from any bank, and zero liability for unauthorized charges. The bank also has a secure checking account option that comes with a monthly fee in exchange for identity theft protection services and a World MasterCard debit card. The savings account offering has no monthly service fee and comes with a debit card that can be used at any ATM nationwide. Transaction fees garnered from non-USAA ATM partners are reimbursed up to a certain amount each month. The savings account also features free funds transfers and tiered interest rates that grow as the account balance reaches certain thresholds. Both the checking and savings account offerings come with USAA’s financial management software, MoneyManager, which helps track expenses and map out a budget.

Certificates of Deposit (CDs) and IRA CDs are also available and can be opened in term lengths ranging from 1 month to 7 years. CDs come in three forms: Variable, Adjustable Rate, and Fixed Rate, which allow for additional deposits, a one-time rate adjustment, and no additional deposits, respectively.

USAA Bank online banking provides a secure and versatile web-based system through which members can manage their deposit accounts, as well as other accounts they have with USAA. The Internet platform makes it easy to accomplish tasks like Bill Pay, mobile deposit, and funds transfers. USAA MoneyManager is the bank’s proprietary financial management system that gives members the ability to track their spending and budget. USAA’s mobile banking system consists of a mobile optimized website and mobile banking apps to make banking from a smartphone or tablet device easy and convenient.

USAA Bank was originally established as a federal savings bank with the FDIC in 1983 and is headquartered in San Antonio, Texas. The USAA group began after a group of Army officers insured one another when they could not obtain auto insurance due to their “high-risk” stereotype. Over 60 years later the banking component of the insurance company was started. USAA Bank serves its members through a limited number of financial service centers located across the country, as well as through online and telephone banking representatives.

Related Posts

View all posts from:

11/16/11 - Inflation Dangerous Banks - Those That Could Refuse CD Early Withdrawals
9/30/11 - USAA Won’t Charge Extra Fees For Debit Card
9/2/11 - USAA CD Rates Fall 10 Basis Points On 5-Year Super-Jumbo
7/8/11 - USAA Bank Announces the End of Its Debit Card Reward Program
7/7/11 - USAA Bank Ends Debit Card Rewards Program
6/15/11 - USAA Bank Offers Direct Check Deposits At UPS Stores
6/11/11 - Banking From Your Phone: 5 Cool Banking Apps for Your Smart Phone
3/10/11 - Do Not Have To Be In Military To Open CD
1/28/11 - USAA Bank's Growth - Focus Only On The Military?
1/27/11 - Top Jumbo Mid-Term CD Rates at USAA Bank - Available Nationwide
1/13/11 - Best Checking Accounts with Focus on Features Rather Than Rates
9/24/10 - USAA Bank Cuts CD Rates Again
9/10/10 - USAA Bank's CD Rates Fall
8/24/10 - USAA Bank's Long-Term CD Rate Cuts
8/6/10 - USAA Bank Increases 7-Year CD Rates - Best 7-Year CD Rates in the Nation
8/3/10 - Consent For Early Withdrawal For CD From USAA Bank
8/2/10 - USAA Bank Is Missing From My Lists Here...
7/23/10 - Top Jumbo Long-Term CDs at USAA Bank - Available Nationwide
7/10/10 - Interesting Incident At USAA Bank
5/19/10 - Your Postingon May 1
3/10/10 - My Husbandjust Rolled Over An IRA With USAA
8/4/09 - Competitive CD Rates at USAA Federal Savings Bank - Nationally Available
5/6/09 - 3.25% 2-Year CD at USAA Bank - Nationally Available but Membership Restrictions
4/22/09 - $100 Checking Account Bonus at USAA Bank - Nationally Available but Membership Restrictions
1/19/09 - 5.32% 7-Year CD at USAA Federal Savings Bank - Nationally Available but Membership Restrictions
12/6/08 - 5.32% 5-Year Jumbo CD at USAA Federal Savings Bank
2/5/07 - $150 Checking and Savings Account Promo at USAA
10/30/06 - High Yield Long-Term CDs at USAA Bank
8/12/06 - USAA Bank Update and Extra 1% Rate Special
5/18/06 - 5.71% Money Market Account for First 6 Months at USAA Bank
10/6/05 - Update on USAA Bank
9/10/05 - USAA Bank - The Willy Wonka of Banks

Reviews (147)

USAA Is The Best Bank If You Qualify

Something I love about my bank, USAA, is that I can use ATM's anywhere in the U.S. without worrying about withdrawal fees. Because USAA does not have a brick-and-mortar location (at least not any that I'm aware of), they can afford to refund ATM fees and they give you permission to use any ATM in the U.S. I also appreciate that USAA provides me with information to improve my financial well-being. I get a magazine from them approximately quarterly that includes tips about saving for the future. When I'm logged into their web site, I'm shown links to additional advice articles and calculators that are designed to motivate me to save. It's nice to know that my bank encourages me to do what's in my own best interest, instead of focusing only on its own profits. The big downside of USAA is that I think they limit who can be a member. I believe I am eligible to be a member of USAA only because my parent was a federal employee.

Amazing Bank

I have been with USAA Bank for over ten years. This bank is amazing for individuals like myself. I am constantly moving from state to state as well as out of the country. Everything that I need can be accomplished online with out the need of a hard stand building. My checking account information is always a click away. I can deposit checks online via scan, fax or photograph. This an amazing feature that makes doing business with the bank and other institutions a breeze. All payments to my account are done in real time with no delay. I can submit certified checks from my account and have them mailed to anyone anywhere from anywhere in the world. I can go online to adjust with drawl limits super easy for making larger purchases using my checking account. Overall the experience I have had with the bank has be very good with ease of use and excellent online and phone costumer service.

Great Bank!

Makes everything extremely easy online.I love being able to take pictures of my checks and having them deposited immediately. Also, the online help chat that allows me to get things done like getting a new card without calling customer service is lovely. I never want to switch banks.

I'm Ending A 28 Year Relationship

Posted by: BennettD | Apr 22, 2017

USAA no longer deserves to represent themselves as a company for Veterans. Just read their reviews. Ive been a member for 28 years and am now pulling out everything but life insurance. GOD I hope I dont die.
Had an auto accident in December 2016. As of April 2017 we have yet to receive reimbursement. Communication is poor. They have played games throughout the whole process and have now agreed in words only to pay a very small portion of the money needed to repair the car. Got hit by a huge city bus and they can't understand the damage and say they see rust on a well-kept Florida car that is rust-free. They insult your intelligence and stick together internally no matter how high you go. They say the police report only notes damage in rear quarter. Sad to see a former pillar becoming dust. Will be sending a letter to Florida Insurance Commissioner and Senator.

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
FDIC Certificate #32188
Year Established1983
Employees7097
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD10.82%
Annual Interest Income$3.33B
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$77.76B$71.13B
LoansQ4 2016vs Q4 2015$47.01B$45.99B
DepositsQ4 2016vs Q4 2015$69.29B$63.45B
Equity CapitalQ4 2016vs Q4 2015$6.75B$6.30B
Loan Loss AllowanceQ4 2016vs Q4 2015$837.3MM$747.5MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$445.2MM$432.7MM
Real Estate OwnedQ4 2016vs Q4 2015$3.6MM$4.6MM
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not USAA Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

USAA Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*- USAA Performance First Savings
OTHER TIERS: 0.05% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.15%*$10k*- USAA Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $10k

USAA Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$1k-USAA Secure Checking Plus
0.01%$1k-USAA Classic Checking
0.01%$1k-Youth Spending

USAA Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$95k$175k5 Year CD - Jumbo
1.11%$95k$175k7 Year CD - Jumbo
1.11%$175k-5 Year CD - Super Jumbo
1.11%$175k-7 Year CD - Super Jumbo
1.06%$1k$95k5 Year CD - Standard
1.06%$1k$95k7 Year CD - Standard
1.00%$95k$175k4 Year CD - Jumbo
1.00%$175k-4 Year CD - Super Jumbo
0.96%$95k$175k3 Year CD - Jumbo
0.96%$175k-3 Year CD - Super Jumbo
0.95%$1k$95k4 Year CD - Standard
0.91%$1k$95k3 Year CD - Standard
0.90%$95k$175k30 Month CD - Jumbo
0.90%$175k-30 Month CD - Super Jumbo
0.86%$95k$175k2 Year CD - Jumbo
0.86%$175k-2 Year CD - Super Jumbo
0.85%$1k$95k30 Month CD - Standard
0.81%$1k$95k2 Year CD - Standard
0.81%$95k$175k18 Month CD - Jumbo
0.81%$175k-18 Month CD - Super Jumbo
0.76%$1k$95k18 Month CD - Standard
0.76%$95k$175k1 Year CD - Jumbo
0.76%$95k$175k15 Month CD - Jumbo
0.76%$175k-1 Year CD - Super Jumbo
0.76%$175k-15 Month CD - Super Jumbo
0.71%$1k$95k1 Year CD - Standard
0.71%$1k$95k15 Month CD - Standard
0.71%$95k$175k270 Day CD - Jumbo
0.71%$175k-270 Day CD - Super Jumbo
0.66%$1k$95k270 Day CD - Standard
0.61%$95k$175k182 Day CD - Jumbo
0.61%$95k$175k7 Month CD - Jumbo
0.61%$175k-182 Day CD - Super Jumbo
0.61%$175k-7 Month CD - Super Jumbo
0.56%$1k$95k182 Day CD - Standard
0.56%$1k$95k7 Month CD - Standard
0.50%$95k$175k150 Day CD - Jumbo
0.50%$175k-150 Day CD - Super Jumbo
0.48%$95k$175k5 Year CD - Jumbo Adjustable Rate
0.48%$175k-5 Year CD - Super Jumbo Adjustable Rate
0.48%$95k$175k7 Year CD - Jumbo Adjustable Rate
0.48%$175k-7 Year CD - Super Jumbo Adjustable Rate
0.46%$250-182 Day CD - Variable Rate
0.46%$250-1 Year CD - Variable Rate
0.45%$95k$175k120 Day CD - Jumbo
0.45%$175k-120 Day CD - Super Jumbo
0.43%$1k$95k5 Year CD - Standard Adjustable Rate
0.43%$1k$95k7 Year CD - Standard Adjustable Rate
0.36%$95k$175k4 Year CD - Jumbo Adjustable Rate
0.36%$175k-4 Year CD - Super Jumbo Adjustable Rate
0.35%$95k$175k91 Day CD - Jumbo
0.35%$175k-91 Day CD - Super Jumbo
0.31%$1k$95k4 Year CD - Standard Adjustable Rate
0.30%$1k$95k91 Day CD - Standard
0.22%$95k$175k30 Day CD - Jumbo
0.22%$175k-30 Day CD - Super Jumbo
0.17%$95k$175k3 Year CD - Jumbo Adjustable Rate
0.17%$175k-3 Year CD - Super Jumbo Adjustable Rate
0.12%$1k$95k3 Year CD - Standard Adjustable Rate

USAA Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$95k$175k5 Year IRA - Jumbo
1.11%$175k-5 Year IRA - Super Jumbo
1.11%$95k$175k7 Year IRA - Jumbo
1.11%$175k-7 Year IRA - Super Jumbo
1.06%$250$95k5 Year IRA - Standard
1.06%$250$95k7 Year IRA - Standard
1.00%$95k$175k4 Year IRA - Jumbo
1.00%$175k-4 Year IRA - Super Jumbo
0.96%$95k$175k3 Year IRA - Jumbo
0.96%$175k-3 Year IRA - Super Jumbo
0.95%$250$95k4 Year IRA - Standard
0.91%$250$95k3 Year IRA - Standard
0.86%$95k$175k2 Year IRA - Jumbo
0.86%$175k-2 Year IRA - Super Jumbo
0.81%$250$95k2 Year IRA - Standard
0.76%$95k$175k1 Year IRA - Jumbo
0.76%$175k-1 Year IRA - Super Jumbo
0.71%$250$95k1 Year IRA - Standard
Locations

USAA Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 10750 Robert F McDermott Fwy - San Antonio, TX 78288