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:

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
7/7/11 - USAA Bank Ends Debit Card Rewards Program
6/15/11 - USAA Bank Offers Direct Check Deposits At UPS Stores
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
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

Reviews (203)

A perfect experience

Posted by: omardecker | Jan 2, 2018

Working with USAA has been a wonderful experience every time. They offer a competitive rate for their products and services. They make it easy to bank with them. One of the hardest parts of online-only banking is not having a brick-and-mortar location to go to when you need to withdraw money or speak to someone. The customer service from the online and phone system removes this obstacle. Not only do they offer fee-free ATM withdrawals from any ATM, but they are quick and responsive on the phone and are available 24/7. They are a phenomenal bank to do business with.

Customer Service Makes Up For Any Pitfalls

USAA's online chat customer service is amazing. Anytime you have a question, you can click "chat with a representative" and PM back and forth until the issue is resolved. I've had to do this a few times because of the various inputs and outputs for my accounts, and at the end of every chat - even if the solution I desired was not available - I am at least completely well-informed of the hows and whys.
Just yesterday I used the service to inquire as to why my ATM card didn't work when I attempted to use it. The rep asked me what type of card it was, and we quickly discovered that USAA had switched to VISA more than a year ago and that I should have received a new card in the mail. I had not, and now a debit (instead of ATM) card is being delivered to me.
A few months ago, a second savings account had an overdraft fee applied by an attempted draw from a linked 3rd-party account. This should not have been possible, and I asked about it a year ago when I opened the account for this purpose. Because the chat interactions are stored as documents, we called them up. It was on hold (rather, waiting for a text response) for quite a while, but the rep came back with good news and the fee was cancelled.

USAA, Only a Call Away

My wife and I banked with USAA for many years, for the most part it was a good experience. USAA is a bank that is primarily marketed for current and former United States service members. For many years we had a checking account, savings account, car insurance, and a credit line with this company. The customer service was always super friendly and some of the best customer service in the business. The web page was also one of the best in the business, this was the only was to access your services and accounts. USAA could not afford to have these two items be any less than what they are for no other reason than the average consumer would not think trusting a bank with no physical location is a good idea.

We eventually left USAA because the bank had no physical location, it became very tiresome to find a place to cash a check, especially if it was a third party check. Another thorn in our side were the ATM fees, which were refunded in part at the end of the month but still was not cool.

Usaa Checking Horrible

Posted by: Supervee | Jan 15, 2018

I have been with Usaa for several years now. I have my auto insurance with them too ! I was injured at work and now on tempt disability for the last 2 years. I get the same amount every two weeks. The computer decided to put a hold on more than half of it . They will not even help !! I have no bounced checks or any negative issues ! Guess I can’t pay my insurance!!
Time for new bank !!!!!

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
FDIC Certificate #32188
Year Established1983
Employees7461
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD12.67%
Annual Interest Income$2.70B
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$79.49B$76.19B
LoansQ3 2017vs Q3 2016$46.31B$46.30B
DepositsQ3 2017vs Q3 2016$70.42B$68.07B
Equity CapitalQ3 2017vs Q3 2016$7.22B$6.74B
Loan Loss AllowanceQ3 2017vs Q3 2016$859.8MM$809.5MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$402.5MM$428.9MM
Real Estate OwnedQ3 2017vs Q3 2016$2.6MM$4.5MM
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 Classic Checking
0.01%$1k-Youth Spending

USAA Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%$175k-4 Year CD - Super Jumbo
1.51%$95k$175k4 Year CD - Jumbo
1.46%$1k$95k4 Year CD - Standard
1.36%$175k-30 Month CD - Super Jumbo
1.31%$95k$175k30 Month CD - Jumbo
1.26%$1k$95k30 Month CD - Standard
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
1.06%$175k-15 Month CD - Super Jumbo
1.00%$95k$175k15 Month CD - Jumbo
0.96%$95k$175k3 Year CD - Jumbo
0.96%$175k-3 Year CD - Super Jumbo
0.95%$1k$95k15 Month CD - Standard
0.91%$1k$95k3 Year CD - Standard
0.86%$95k$175k2 Year CD - Jumbo
0.86%$175k-2 Year CD - Super Jumbo
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%$175k-1 Year CD - Super Jumbo
0.71%$1k$95k1 Year 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
1.56%$175k-4 Year IRA - Super Jumbo
1.51%$95k$175k4 Year IRA - Jumbo
1.46%$250$95k4 Year IRA - Standard
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
0.96%$95k$175k3 Year IRA - Jumbo
0.96%$175k-3 Year IRA - Super Jumbo
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