Savings Accounts

Savings accounts that are made for you.

USAA Savings

Begin your savings journey with an initial deposit of $25 or more.
Apply now for a USAA Savings account
Not a member? Join USAA
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
Not a member? Join USAA

Annual Percentage Yield (A P Y)

USAA Savings

Minimum deposit to open is $25

Table for USAA Savings Annual Percentage Yield
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%

USAA Performance First® Savings

Minimum deposit to open is $1,000

Table for USAA Savings Annual Percentage Yield
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%

USAA Youth Savings

Minimum deposit to open is $25

Table for USAA Savings Annual Percentage Yield
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.

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.
No Monthly Service Fees

Get all the perks, but pay no monthly service fees.
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.

Learn more about USAA Youth Savings

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 2.75% 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 11/26/2024. Rates subject to change.^{See note^{See note1}}

Learn more about CDs

Banking made easy

Convenient options to move money

Manage the way you move money using automatic transfers and tools like Zelle® and Deposit@Mobile®.^{See note^{See note2}}
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}
Fraud monitoring

You'll automatically receive alerts 24/7 for suspicious activity on your account.^{See note^{See note4}}

Pair savings with checking.

Set up automatic transfers from your checking account to make saving effortless.

Learn more about checking accounts

Savings Frequently Asked Questions

How do I make deposits?

To make deposits into your savings account you can:

Transfer money electronically from another USAA Federal Savings Bank (F S B) account you own or from another bank.
Snap a picture of a check using our free Deposit@Mobile® feature in the USAA Mobile App.
Deposit at select USAA Federal Savings Bank A T M's.
Use your savings account's unique account number located in statements to set up direct deposit. You'll also need USAA F S B's routing number: 314074269.

Remember that your account number is NOT your USAA number or your Social Security number.

Is my USAA F S B account insured by the F D I C?

Can I get an A T M card for a savings account?

Can I get a debit card when I open a checking account and savings account at the same time?

Start saving today

USAA Savings

Begin your savings journey with an initial deposit of $25 or more.
Apply now for a USAA Savings account
Not a member? Join USAA
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
Not a member? Join USAA

View rates opens a pop up

Annual Percentage Yield (A P Y)

USAA Savings

Minimum deposit to open is $25

Table for USAA Savings Annual Percentage Yield
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%

USAA Performance First® Savings

Minimum deposit to open is $1,000

Table for USAA Performance First® Savings Annual Percentage Yield
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%

USAA Youth Savings

Minimum deposit to open is $25

Table for USAA Youth Savings Annual Percentage Yield
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%

Other products and services from USAA Bank

Products

Servicing

Note 1 Rates are subject to change daily. Fixed and adjustable CD rates are not guaranteed until your CD is issued. Annual Percentage Yield, also known as APY, assumes that interest remains on deposit until maturity. Withdrawals will reduce the amount of interest earned. Substantial penalty for early withdrawal. We deduct the early withdrawal penalty from the CD account's earned interest first, and then we deduct any remaining early withdrawal penalty from the principal amount of the CD account. Fees may reduce earnings on your account. Minimum initial deposit and minimum balance is $250 for Standard Variable CD, $1000 for Standard Fixed and Adjustable CDs, $95,000 for Jumbo CD and $175,000 for Super Jumbo CD.

Note 2 Eligibility for USAA Deposit@Mobile^® will be based on your account history with USAA Federal Savings Bank. Deposits may not be available for immediate withdrawal. USAA's Deposit@Mobile^® and related Deposit@Home^® includes innovative features that are protected by multiple patents issued by the United States Patent and Trademark Office. A listing of issued Patents, intending to serve as notice under 35 U.S.C. § 287(a), may be found at United States Patents.

Note 3 When you use a non-USAA Bank ATM outside of our preferred network, you may incur surcharge, usage, or other fees charged by the ATM operator or network. We refund up to $10 per monthly statement cycle in non-USAA Bank ATM surcharge or usage fees for transactions made at non-USAA Bank ATMs. 1% Foreign Transactions Fee may apply. See the Account and Service Fee Schedule for details.

Note 4 Message and data rates may apply.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Visa is a registered trademark of Visa International Service Association and used under license.

Membership eligibility and product restrictions apply and are subject to change.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

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Savings Accounts

Accelerate your savings.