Featured Savings Rates
Featured Accounts


Popular Accounts at this Bank

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
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

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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 (137)

USAA Bank rocks!

I have been using USAA mobile/online banking for about four years now, and I could not be more satisfied. I have both a savings and a checking account, as well as a debit and a credit card with them. Their customer service is top-notch, and I believe this has to do with the fact that only members of the military and their families are eligible to bank with USAA. My favorite feature that USAA has to offer is mobile deposit, which allows me to take a picture of a handwritten check and deposit it into one of my accounts in as little as 60 seconds. Also, I can use any ATM that I want anywhere in the entire world without having to worry about any fees associated with not being a member of that particular bank/institution, because USAA reimburses me for up to $15/month in transaction fees. When I was in Ireland last year, I never worried about running out of cash because I had my USAA debit card with me and could always withdraw more hassle-free in case of an emergency. Lastly, they are an incredibly friendly and helpful company. A few months ago, I was considering buying or leasing a car, and I wanted to get an insurance quote to see how much my monthly payment would be. I submitted an online quote and the next day I received a phone call from a very helpful gentleman who walked me through the pricing of their insurance options. This was my first time doing anything like this, and I understood everything right away because they were so helpful. I am so happy that I get to use USAA, it is really an awesome bank!

USAA: excellent and reliable online banking

I have been with USAA since 2002, when I opened my first savings account in high school. Their customer service has been impeccable; when my card got compromised, they immediately took care of fraudulent charges and reassured me. I opened my first credit card with them, based on their recommendations, to build credit during college. When I was living abroad, they paid for all service calls and refunded me foreign ATM fees beyond what was agreed in the banking contract. When I had to roll over my 401(k) from work to a private IRA, USAA helped be every step on the way, even going above and beyond and contacting my employer's corporate bank to ensure all the information I was provided was accurate. They also offer great rates on home and auto insurance, which I currently don't use, but may in the future. Each time I call with general information, the customer service agents are friendly and helpful. I have never been displeased or disappointed in USAA, and will continue to be a happy customer for many years to come.


Posted by: benjovi | Oct 12, 2016

Overall I am very satisfied with USAA and my online experience with both their website and mobile app. I have been a customer for over 10 years and couldn't be happier.

Scary This Company Can Exist!

They are more than happy to throw their customers under the bus at every opportunity and then levy hidden fees. No protection for their customers. Horrible customer service. Amazing they can still be in business.



Health Grade Components

FDIC Certificate #32188
Year Established1983
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD12%
Annual Interest Income$2.48B
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$76.19B$70.04B
LoansQ3 2016vs Q3 2015$46.30B$45.02B
DepositsQ3 2016vs Q3 2015$68.07B$62.51B
Equity CapitalQ3 2016vs Q3 2015$6.74B$6.32B
Loan Loss AllowanceQ3 2016vs Q3 2015$809.5MM$703.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$428.9MM$422.2MM
Real Estate OwnedQ3 2016vs Q3 2015$4.5MM$4.7MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

USAA Bank Savings Account Rates

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 CD Rates

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

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

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