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
7/8/11 - 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
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
9/10/05 - USAA Bank - The Willy Wonka of Banks

Reviews (184)

USAA Online Banking

Posted by: Ingstaff | Oct 5, 2017

I began banking with USAA not too long ago, partly because this was the bank in which my parents used, but also because it seemed to be a trustworthy institution. As of now, I have 3 different bank accounts with 3 different financial institutions for various reasons I don't care to explain at the moment, however, USAA online banking is the one I use primarily. The interface is easy to use, it offers touch identification which shaves a ton of time off logging into and out of the app, without losing any security in the process. You can quickly see all of your accounts at once, which is easy because you don't have to physically click on each account to see the account balance. Also, you can hide accounts that you don't necessarily want to see on a daily basis. If you have a savings account that you want to keep out of sight and out of mind, it is very easy to hide this account in the USAA app.

Best bank ever!

Posted by: Hinchilsa | Oct 4, 2017

USAA has to be the best banking system I have ever used. Whenever an issue arises, which is rare, it gets solved right away and customer support has always been so nice. There was an instance a few years back where I had my wallet stolen, along with my cards, and someone went on a huge spending spree. After a few thousand dollars in purchases, they caught wind of what was going on and called me immediately. They shut down the account and got my money back. The person that stole it was actually arrested because of surveillance cameras at the stores. I am so grateful for all of the help I have received before, during and after the incident and to this day. Since it's a military based bank, they also have so many benefits and discounts. They even have everything that has to do with stocks and investing!

My Online Expreiences

Posted by: Headiuli | Oct 15, 2017

With USAA I have had the easiest time with my online banking. I have been with them for over ten years, and although it was unusual to not be able to make deposits to a bank, it soon became easy to manage everything I needed. Recently I opened a new savings account on my phone, without the help of a representative, and it was easy to do and only took me a few minutes to complete.
I also frequently deposit checks and have only slight difficulty. I can easily adjust and deposit the checks, but the inconvenience is slight and not something that happens often. I can also make transfers with a few simple button clicks, and I have not experienced any issues with transfers ever. I can also make numerous transfers without trouble.
There are no fees associated with any banking products. I find this to be the best feature of banking with USAA in general. I would recommend USAA as a banking choice for anyone eligible to use them.

USAA

Posted by: Grabsonpl | Oct 5, 2017

I have used USAA for five years. I have a checking account and two savings accounts with them. They do not charge fees for any of them. Mobile deposit is streamlined and easy, and the website is well laid out. I really like their online banking system. They are reliable and everything works well. When I've had to contact customer service, they have always been nice and helpful. I've never really had major problems, though.

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Health

Health Grade Components

Overall
FDIC Certificate #32188
Year Established1983
Employees7295
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD11.87%
Annual Interest Income$1.77B
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$80.56B$75.54B
LoansQ2 2017vs Q2 2016$46.82B$46.31B
DepositsQ2 2017vs Q2 2016$72.00B$67.61B
Equity CapitalQ2 2017vs Q2 2016$7.04B$6.60B
Loan Loss AllowanceQ2 2017vs Q2 2016$872.3MM$789.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$392.4MM$399.3MM
Real Estate OwnedQ2 2017vs Q2 2016$1.9MM$4.3MM
Rates
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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
1.11%$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