USAA Federal Savings Bank

Headquarters

1 Norterra Dr
Phoenix, AZ 85085
See all branch locations →

ACH 314074269

Notable Rates	APY	Vs.Others
Savings	1.10%	5.50% →
1-Year CD	2.05%	4.65% →
2-Year CD	1.65%	4.25% →
5-Year CD	1.50%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by RYAN S | November 28, 2022 |

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw was on November 23rd, 2022, the day before Thanksgiving. On the 22nd of November I deposited two checks written to me by a family member, but woke up on the 23rd to find my account was locked. I called in to see what the issue was and was told by the clerk, quite rudely, that my deposits were suspicious. While I understand the need to hold the funds at times to verify funds are available, I do not understand nor appreciate being laughed at by the bank clerk who attempted to ridicule me. After being admonished by the clerk, she said my online account would be reinstated. Of course, it was not, so I was forced to call in yet again to reinstate access to the bank through my smart phone. On Friday, the 24th of November, I called in to make a complaint about my experience. The person I spoke to this time made excuses for why the first clerk was so rude, yet didn't bother to ask who I had spoken to or when this discussion had happened.

USAA no longer cares. I believe poor leadership from those at the top have ruined the organization. As a disabled Army veteran, I used to be able to rely on USAA to treat me with dignity and respect, but sadly this is no longer the case. It's sad, as their insurance products are wonderful, but banking here is far more trouble than it's worth.

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2024 Overview

General Bank Information

USAA Federal Savings Bank is an FDIC insured institution located in Phoenix, AZ. It was founded in 1983 and has approximately $111.71 billion in assets.


FDIC Insured	Yes
FDIC Certificate	# 32188
Date Established	1983
Assets	$ 111.71 billion
Loans	$ 42.75 billion
Deposits	$ 98.09 billion
Capital	$ 3.72 billion

For a more detailed analysis of USAA Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section on the Analysis page.

Deposit Rates - December 18, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates	APY	MIN	MAX
USAA Savings	0.01%	$1	-	Learn More Reviews
USAA Performance First	1.10%	$500,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Month CD	2.50%	$1,000	-	Learn More Reviews
9 Month CD	2.25%	$1,000	-	Learn More Reviews
12 Month CD	2.05%	$1,000	-	Learn More Reviews
18 Month CD	1.80%	$1,000	-	Learn More Reviews
24 Month CD	1.65%	$1,000	-	Learn More Reviews
36 Month CD	1.55%	$1,000	-	Learn More Reviews
48 Month CD	1.50%	$1,000	-	Learn More Reviews
60 Month CD	1.50%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
USAA Classic Checking	0.01%	$1,000	-	Learn MoreShow Less

Online Only Savings Rates of USAA Federal Savings Bank

Online Savings Rates	APY	MIN	MAX
USAA Savings	0.01%	$10,000	-	Learn More Reviews
USAA Performance First	1.45%	$1,000,000	-	Learn More Reviews

Online Only CD Rates of USAA Federal Savings Bank

Online CD Rates	APY	MIN	MAX
9 Month CD	3.20%	$1,000	-	Learn More Reviews
12 Mo CD 1K	3.00%	$1,000	-	Learn More Reviews
18 Mo CD	2.80%	$1,000	-	Learn More Reviews
24 Mo CD	2.60%	$1,000	-	Learn More Reviews
36 Mo CD	2.55%	$1,000	-	Learn More Reviews
48 Mo CD 1K	2.50%	$1,000	-	Learn More Reviews
60 Mo CD 1K	2.50%	$1,000	-	Learn More Reviews

Checking Rates	APY	MIN	FEE
Classic Checking	0.01%	$0	$0.00	Learn MoreShow Less

Bank Online Offers

Loan Rates - December 18, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for USAA Federal Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.344%	6.250% 0.50 points $3,203 fees	$1,971	Learn More
NMLS ID: 66247	6.465%	6.375% 1.00 points $3,034 fees	$1,997	Learn More
NMLS ID: 2578474	6.482%	6.375% 0.75 points $3,610 fees	$1,997	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.623%	6.500% 0.88 points $4,281 fees	$2,023	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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Branches

USAA Federal Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio