USAA Bank offers good features and rates for their Online Checking, Savings and Certificate of Deposit (CD) accounts.
Originally established as a federal savings bank with the FDIC in 1983, USAA (United States Automobile Association) now offers a variety of products, including insurance, banking investment, and lending products and services. These products are targeted to members of the U.S. military and their immediate families.
Online banking with USAA allows you to use Bill Pay, mobile deposit and funds transfers. They also have a mobile banking app for convenience.
I’ll go over their popular Checking, Savings and CD accounts here.
Current Top Rate At USAA:
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1.11% APY
5 Year CD - Jumbo
Learn MoreAt USAA
USAA Online Checking
USAA’s Free Checking account is going to give you free mobile deposit, Bill Pay, funds transfers to and from any bank, and zero liability for unauthorized charges.
If you use ATMs outside of USAA’s network, you’ll get reimbursed for transaction fees up to a certain amount monthly.
USAA Bank refunds up to $15 in other United States domestic banks’ ATM usage fees each month and does not charge a fee for the first 10 ATM withdrawals. The ATM fee refund does not apply for the month in which the account is closed. Subsequent transactions will be charged $2.00 each. Transactions at ATMs located outside of the United States may not be eligible for ATM usage fee refunds. A 1% foreign transaction fee applies to withdrawals outside the United States. No ATM usage fees will be charged at USAA Preferred ATMs pursuant to an agreement with the ATM network/owners to not charge an ATM fee for USAA Bank ATM debit cards.USAA
No monthly service fees
No minimum balance requirements
60,000 free ATMs nationwide
ATM fee reimbursements for out-of-network ATMs
Send money to anyone using an email or mobile number
Free direct deposits
Free transfers and bill payments
Make mobile deposits with your smartphone
Use Apple Pay and Android Pay to securely pay stores
Learn MoreAt USAA
Compare To These Checking Accounts:
There are plenty of good Checking accounts to choose from. For bonus opportunities, I’d recommend looking at these Chase offers. Here are other great options, including other free online Checking accounts:
SunTrust Bank Review: $150, $200, $250 Promotions!
TD Bank Promotion: Free Samsung Galaxy Checking Bonus
Citibank Review: $300-$1000 Checking/Savings Promotions!
BBVA Compass Bank Checking And Savings Account Promotions
Northpointe Bank Review: $50 Bonus And 5% APY Checking!
Capital One 360 Review: $50 And $1000 Bonus Promotions!
PNC Bank Review: $400, $300, $200, $100 Promotions!
Regions Bank Review: $200,$250,$300,$350 Bonuses
Chase Bank Coupon Promotions: $250 And $300 Bonuses!
TD Bank Promotion: $150 And $300 Checking Bonus!
EverBank Review: Checking, Money Market, CD Promotions And Bonuses
KeyBank Review: $200, $250, $300, $400 Promotions
Santander Bank Review: $150, $200, $400, $500 Bonuses!
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USAA Online Savings
USAA’s Online Savings account has no monthly service fee and comes with a debit card that can also be used at any ATM nationwide.
No monthly service fee
60,000 Free ATMs nationwide
Fee reimbursements for out-of-network ATMs
Deposit checks with your smartphone
Transfer money from any external bank account nationwide
Deposit cash at USAA deposit-capable ATMs or at a USAA Financial Center ATM
Learn MoreAt USAA
Compare To These Top Savings Accounts:
USAA’s Online Savings rates aren’t that great to be honest. They’re more known for their competitive CD rates I discuss below. I’d recommend checking out Discover’s Online Savings account and the Capital One 360 Savings account for starters, but here are all the best Savings accounts currently:
Barclays Bank Review: Savings And CD Accounts
Sallie Mae Banking: Money Market, Savings, CDs
Synchrony Bank High Yield Online Savings At 1.05% APY
American Express High Yield Savings Account Review: 0.90% APY
UFB Direct Online High Yield Savings Account Review | 1.00% APY
Ally Bank Nationwide Online Savings Account Review: 1.00% APY
Dime Savings Bank Nationwide Money Market Account Review
Goldman Sachs Online Savings Account Review | 1.05% APY!
Chase Bank Coupon Promotions: $250 And $300 Bonuses!
Discover Bank’s Online Savings Account Review: 0.95% APY!
BBVA Compass Bank Checking And Savings Account Promotions
Capital One 360 Review: $50 And $1000 Bonus Promotions!
iGOBanking Review: Checking And Savings Account Promotions
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USAA CD Accounts
USAA’s Online CDs are available in terms ranging from 1 month to 7 years. USAA has three CD types to choose from:
Variable Rate CD
Adjustable Rate CD
Fixed Rate CD
Best for members who want a rate of return higher than a traditional savings account — plus the flexibility to make additional deposits.
Best for members who want a guaranteed rate of return and the flexibility to request a one–time rate adjustment of up to 2%, if rates rise. Plus the option to make one additional deposit at the time of the rate adjustment.
Best for members who want a guaranteed rate of return over the life of the CD. No additional deposits are allowed.
Minimum Initial Deposit:
Standard — $250
Minimum Initial Deposit:
Standard — $1,000
Jumbo — $95,000
Super Jumbo — $175,000
Minimum Initial Deposit:
Standard — $1,000
Jumbo — $95,000
Super Jumbo — $175,000
Interest rate is subject to change daily.
Interest earned can be added to the CD balance or credited to another account monthly.
Make additional deposits of $25 or more at any time without extending the maturity date.
Interest rate is locked for the term of the CD.
Interest earned can be added to the CD balance or credited to another account monthly.
Make one additional deposit of $25 or more when adjusting your CD rate.
Interest rate is locked for the term of the CD.
Interest earned can be added to the CD balance or credited to another account monthly.
No additional deposits are allowed until the maturity of the CD.
FDIC insured up to applicable limits.
FDIC insured up to applicable limits.
FDIC insured up to applicable limits.
USAA currently has some of the best CD rates in the market for certain terms.
Fixed Rate CD APYs
Term
Standard
$1,000 – $94,999
Jumbo
$95,000 – $174,999
Super Jumbo
$175,000 and Over
30 days
N/A
0.22 %
0.22 %
91 days
0.30 %
0.35 %
0.35 %
120 days
N/A
0.45 %
0.45 %
150 days
N/A
0.50 %
0.50 %
182 days
0.56 %
0.61 %
0.61 %
7 months
0.56 %
0.61 %
0.61 %
270 days
0.66 %
0.71 %
0.71 %
1 year
0.71 %
0.76 %
0.76 %
15 months
0.71 %
0.76 %
0.76 %
18 months
0.76 %
0.81 %
0.81 %
2 years
0.81 %
0.86 %
0.86 %
30 months
0.85 %
0.90 %
0.90 %
3 years
0.91 %
0.96 %
0.96 %
4 years
0.95 %
1.00 %
1.00 %
5 years
1.06 %
1.11 %
1.11 %
7 years
1.06 %
1.11 %
1.11 %
*Always confirm official rates through USAA.com
Adjustable Rate CD APYs
Term
Standard
$1,000 – $94,999
Jumbo
$95,000 – $174,999
Super Jumbo
$175,000 and Over
3 years
0.12 %
0.17 %
0.17 %
4 years
0.31 %
0.36 %
0.36 %
5 years
0.43 %
0.48 %
0.48 %
7 years
0.43 %
0.48 %
0.48 %
*Always confirm official rates through USAA.com
Variable Rate CD APYs
Term
$250 and Over
182 days
0.46 %
1 year
0.46 %
*Always confirm official rates through USAA.com
Learn MoreAt USAA
Compare To These Top CD Accounts:
Discover CDs are also another great option for comparison. See more top CD accounts below:
HSBC Bank Online CD Account 1.30% APY Promotion
First Internet Bank Review: Checking, Savings, CD Promotions
FNBO Direct Promotions For Checking, Savings, CDs
BBVA Compass Bank Checking And Savings Account Promotions
EverBank Review: Checking, Money Market, CD Promotions And Bonuses
iGOBanking Review: Checking And Savings Account Promotions
Discover Bank Online CD Rates Up To 2.30% APY
ableBanking Money Market Savings (1.00% APY) And CD (1.65% APY ) Promotions
Barclays Bank Review: Savings And CD Accounts
MySavingsDirect Hield Yield Savings And CD Account Promotions
USAA Bank Online Checking, Savings, CD Promotions
Zions Bank Promotions: Checking, Savings, Credit Card Bonuses
Bank5 Connect Checking/Savings/CDs Review & Promotions
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