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
Get a higher interest rate when you open your account with $1,000 or more. See funding options.
Apply now for a USAA Savings account
Reach your goals faster.
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.
To open a USAA Savings account, make a deposit of $25 or more using a checking, savings, Visa® or Mastercard® account.
To open a USAA Performance First® Savings account, make a deposit of $1,000 or more.
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Get a 4.55% 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 09/10/2024. Rates subject to change.See noteSee note1
Get more from your account
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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.
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Fraud monitoring
We will automatically send alerts 24/7 for suspicious activity on your account.See noteSee note3
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.