Savings accounts that are made for you.
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USAA Savings
Begin your savings journey with an initial deposit of $25 or more.
Apply now for a USAA Savings account -
USAA Performance First® Savings
With a $1,000 minimum opening deposit you have an opportunity to enjoy higher interest rates based on your balance.
Apply now for a USAA Savings account
USAA Savings Rates
Annual Percentage Yield (A P Y)
| Daily Collected Balance | A P Y |
|---|---|
| Less than $1,000 | 0.01% |
| $1,000 to $4,999.99 | 0.01% |
| $5,000 to $9,999.99 | 0.01% |
| $10,000 and over | 0.01% |
| Daily Collected Balance | A P Y |
|---|---|
| Less than $10,000 | 0.01% |
| $10,000 to $24,999.99 | 0.01% |
| $25,000 to $49,999.99 | 0.01% |
| $50,000 to $99,999.99 | 0.50% |
| $100,000 to $249,999.99 | 0.60% |
| $250,000 to $499,999.99 | 0.70% |
| $500,000 to $999,999.99 | 1.10% |
| $1,000,000 and over | 1.10% |
| Daily Collected Balance | A P Y |
|---|---|
| Less than $1,000 | 0.01% |
| $1,000 to $4,999.99 | 0.01% |
| $5,000 to $9,999.99 | 0.01% |
| $10,000 and over | 0.01% |
Reach your goals faster.
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Free Savings Tools
It's easy to speed up your savings with our free savings tools when you also have a checking account with us.
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No Monthly Service Fees
Get all the perks, but pay no monthly service fees.
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Track Your Savings
We can help you simplify your finances with our free budgeting tools.
Teach your child to manage money with a youth savings account.
Open an account in three easy steps.
Step 1: Log on to get started.
If you're not a USAA member, see if you can join.
Step 2: Apply for an account.
We'll ask for your full name, address, date of birth and other identifying information.
Step 3: Add money to the account.
Use a checking, savings, Visa® or Mastercard® account with a minimum deposit.
Get a 2.50% Annual Percentage Yield with a 182-day fixed rate CD.
Annual Percentage Yield (A P Y) is based on an initial deposit of $1,000. A P Y's are current as of 12/25/2024. Rates subject to change.See noteSee note1
Banking made easy
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Convenient options to move money
Manage the way you move money using automatic transfers and tools like Zelle® and Deposit@Mobile®.See noteSee note2
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Deposit money straight to your savings account.
Set up direct deposits of some of your paycheck directly into your savings account. You can also make deposits to your savings account at select USAA Federal Savings Bank A T M's.See note3
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Fraud monitoring
You'll automatically receive alerts 24/7 for suspicious activity on your account.See noteSee note4
Pair savings with checking.
Set up automatic transfers from your checking account to make saving effortless.
Savings Frequently Asked Questions
Related advice articles
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What's the difference between checking and savings?
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Interest on a savings account: How your money can make money
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Why do you need a savings account? To make your money grow.
Start saving today
-
USAA Savings
Begin your savings journey with an initial deposit of $25 or more.
Apply now for a USAA Savings account -
USAA Performance First® Savings
With a $1,000 minimum opening deposit you have an opportunity to enjoy higher interest rates based on your balance.
Apply now for a USAA Savings account
USAA Savings Rates
Annual Percentage Yield (A P Y)
| Daily Collected Balance | A P Y |
|---|---|
| Less than $1,000 | 0.01% |
| $1,000 to $4,999.99 | 0.01% |
| $5,000 to $9,999.99 | 0.01% |
| $10,000 and over | 0.01% |
| Daily Collected Balance | A P Y |
|---|---|
| Less than $10,000 | 0.01% |
| $10,000 to $24,999.99 | 0.01% |
| $25,000 to $49,999.99 | 0.01% |
| $50,000 to $99,999.99 | 0.50% |
| $100,000 to $249,999.99 | 0.60% |
| $250,000 to $499,999.99 | 0.70% |
| $500,000 to $999,999.99 | 1.10% |
| $1,000,000 and over | 1.10% |
| Daily Collected Balance | A P Y |
|---|---|
| Less than $1,000 | 0.01% |
| $1,000 to $4,999.99 | 0.01% |
| $5,000 to $9,999.99 | 0.01% |
| $10,000 and over | 0.01% |