USAA for Future Officers

Get support that keeps up with ROTC life.

You're kicking off your military career, and you know what you want. At USAA, our military DNA means we get you. Whether you're on an ROTC scholarship or have contracted with one of the military branches and are about to commission, you're eligible for USAA membership and all our products and services. And we'll be with you — through it all — to help keep your financial security on lock with support that's on your level.

Learn more about membership Click for info about our products and services.

Bank the way you want.

Your busy ROTC lifestyle demands a lot. We strive to deliver even more with banking solutions that help you keep pushing forward. From a checking account, starter loan and credit cards to advice centered around you, you'll have what you need to help create the financial freedom and security you deserve.

USAA Classic Checking Account

Get ready to get paid.

With a USAA Classic Checking account, these perks are in the mix:

Pre-commissioned officers pay no opening deposit or monthly service fees, regardless of balance.
Get paid up to two days early with direct deposit.^{See note1}
Beginning your senior year, you're eligible to apply for a USAA Career Starter™ Loan Click to learn what our low-interest loan can do for you..

or you can reach us by phone at 800-531-4610 to apply

Credit cards built to meet your needs

USAA Bank has a range to choose from.

Apply for a credit card that's designed to help you go after your unique goals.

Reward Points
Cashback
Our Low Rate
Build Credit
Travel Rewards

More banking benefits

All the perks you deserve for your busy lifestyle.

Choosing a bank that gets the job done for your unique needs is an important decision. Luckily, with all these reasons to love USAA Bank, the decision is easy:

Check balances, make transfers and pay bills with the USAA Mobile App.
Set custom alerts^{See note2} with 24/7 fraud monitoring.
Breathe easy with overdraft protection options.^{See note3}
Send and receive money with Zelle®.
Tap to pay with mobile wallet.
Access to over 100,000 preferred ATMs nationwide.^{See note4}
Manage your money with our mobile banking tools in our app.

Insurance that protects what helps you be you.

From your jewelry, military gear^{See note5} and tech tools to the ride that takes you where you want to be, USAA has the right insurance solutions to help protect the stuff you need at a price you'll love.

USAA Renters Insurance

Protect your stuff and your wallet.

Balancing college life with military training means your schedule is crazy busy. So why waste time worrying whether you have the cash to replace a uniform, laptop or jewelry?

For as little as $10 a month,^{See note6} USAA Renters Insurance means you can rest easy knowing the things you care about are covered in case of theft, flood or fire damage — whether you're in the dorm, studying off campus or even traveling.

Cover what you care about.

Just some of the items we cover:

Jewelry
Cell phones
Smartwatches
Uniform and clothes
Tablets and headphones
Laptops and PCs
TVs and stereos
Gaming consoles
And more

Get more with replacement cost coverage.^{See note7}

Replacement cost coverage for your TV, laptop or other valuable is standard at USAA, unlike other companies that charge extra. That means if your TV, computer or other valuables is stolen or damaged due to fire, theft or flood, your policy may pay you enough to buy a new one rather than only paying the depreciated value.

Senior Military College Personal Property Insurance^{See note8}

Coverage cadets can rely on.

Are you a cadet attending one of these military colleges?

Texas A&M University
The Citadel
Norwich University
University of North Georgia
Virginia Military Institute
Virginia Tech

If yes, then we've got a special type of renters insurance that's perfect for you. Starting at $9 a month,^{See note9} we'll help protect the things you value, like your uniforms, laptop, electronics and class ring in case of theft, flood or fire damage.

With our worldwide coverage,^{See note10} your stuff is covered whether you're on campus or traveling. Plus, you'll get standard replacement cost coverage, added benefits and legendary service with quick, easy claims — all at a discounted rate.

USAA's additional tech coverage^{See note11}

Prone to drops and spills?

For as little as 14¢ a day,^{See note12} our tech package covers everyday accidents like spills, drops and lost items. It gives you extra protection for your high-dollar, can't-function-without-it tech and toys. Plus, it's customizable and covers everything from computers and smart devices to gaming gear and drones.

Auto insurance

Explore options to fit your needs and budget.

USAA Auto Insurance

Whether you have wheels now or plan to get some soon, we can help you with reliable auto insurance that's easy on your wallet. Plus, you'll get great benefits and discounts for the military. With USAA's legendary service, military perks and many ways to save, it's easy to help protect your ride and your budget.

Learn more , click to find out how much you can save.

USAA SafePilot®

Follow the rules of the road? You could save up to 30% off USAA Auto Insurance with USAA SafePilot®,^{See note13} a program that rewards safe drivers. Download the USAA SafePilot® app to get started. The better you drive, the bigger the discount.

Learn more , click for details on how the USAA Safe Pilot program works.

Help fund your future with the USAA Career Starter™ Loan.

Kick off your career right.

The USAA Career Starter Loan is a low-cost way to fund all the things you need as you finish your training and launch the next phase of your career. It helps you set yourself up for success by building your credit and borrowing responsibly without the burden of high-interest debt. All you need to apply is USAA membership and a USAA Classic Checking account Click to learn about all the benefits of a USAA Classic Checking account..

Borrow with confidence

What you need to know:

Loan amounts up to $25,000^{See note14}
Low interest with 2.99% APR for a 60-month term
Funds available 12 months before and 12 months after your commissioning date
Easy application process

Work your money wisely

Use your money to achieve what's important to you:

Build good credit responsibly.
Pay off high-interest credit cards or other debt.
Cover living expenses and transition costs.
Build an emergency fund.
Buy a vehicle.

Remember that this loan cannot be used for educational expenses.

If you're a freshman, sophomore, or junior, schedule a reminder to apply for your loan when the time is right. If you're a senior, get a jump on your future and check out the USAA Career Starter loan today.

Or call You can reach us by phone at 800-531-4610 to apply.

FAQ

It depends. If you're borrowing a car regularly, you should consider getting a non-owner operator policy. If it's an infrequent or rare scenario, you may not need it. But you should still consider what financial protections you have in place if you were to get into an accident driving someone else's car. Their car may be covered by their insurance with you as a driver, but you could be financially responsible for damages or injuries to other people.

It's important to get property insurance to cover your stuff in case of theft or damage whether you're living in a dorm or off campus. In addition, liability coverage helps protect your finances if you're ever held responsible for someone else's injuries or property damage. You can find both kinds of coverage at a price to fit your budget at USAA Renters Insurance or Senior Military College Personal Property Insurance.

Your personal electronics are covered for losses such as fire and theft, but not for accidental breakage, drops and spills or misplacement. For those types of things, our Technology Endorsement is what you need.

The value of your personal belongings and your coverage needs are just some of the things that determine your premiums. You'll get our award-winning service and worldwide protection for all your stuff whether you're on campus, renting or traveling.

You can use it to buy uniforms, household items or a car. You can also put the money toward an emergency fund or paying down high-interest debt, but you cannot use it to pay off educational expenses. Only take as much of the loan as you want to accomplish your goals. To get a better idea of what you might need, check out our CSL expense worksheet, click to get the worksheet.

USAA began in 1922 when 25 Army officers banded together to insure each other's vehicles. This commitment to serving the military community continues today. Our products and services are easy to manage and tailored for the military lifestyle. We have experiences that guide you through the four big military life events: Joining, click for info about key financial steps to take, PCS, click for pro tips on a successful move., Deployment, click to find checklists and more. and Separating/Retiring, click to get helpful tips for a smooth transition.. Plus, you can easily change auto and renters insurance when you show up to your next assignment and use the USAA Mobile App to help manage your finances during TDY or deployment. In short, we're here for you — every step of the way.

Investment and Insurance Products are:

Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Note 1 Early access to direct deposit funds is subject to when USAA Federal Savings Bank receives notice of payment from the payer, which is generally one to two business days before the scheduled payment date. Early access to direct deposit funds is not guaranteed, may be stopped at any time, and may vary between pay periods.

Note 2 Message and data rates may apply.

Note 3 Overdraft protection requires a second USAA Bank deposit or credit card account from which to transfer funds to pay the overdraft. USAA Bank does not charge a fee for these transfers; however, you may be subject to interest or other charges associated with transfers from your USAA Bank credit card account, which are treated as cash advances. See your USAA Credit Card Agreement for more information on these charges.

Note 4 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 5 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

Note 6 Countrywide average price for policyholders who have $2,500 personal property coverage, $100,000 liability coverage and $5,000 medical payments coverage as of January 2025. Rates vary by location and risk. Rates are subject to change.

Note 7 With replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy.

Note 8 Personal Property Insurance means Renters Protection Policy and endorsements provided by United Services Automobile Association.

Note 9 Countrywide average price for all of the Senior Military College locations (Texas, Virginia, Vermont, Georgia, South Carolina) with $3,000 personal property coverage or less as of January 2024.

Note 10 Availability of renters insurance to residents of another country is limited to qualified members.

Note 11 All coverages may not be available in all locations.

Note 12 Countrywide average price for policyholders who have $1,000 in coverage as of January 2025. Rates may vary by location and risk. Rates are subject to change.

Note 13 The USAA SafePilot^® program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA DriveSafe™ App required.

Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

Review the Program Terms and Conditions (Opens in New Window) for more information.

Note 14 Loan is subject to credit approval. ROTC cadets and midshipmen are eligible to apply up to 12 months prior to commission date. Eligibility requirements differ if pursuing an advanced degree. Officer or warrant officer candidates are eligible to apply up to four months prior to commission date. Early Commissioning Program cadets are eligible to apply within 12 months of bachelor's degree graduation. Newly commissioned officers are eligible to apply up to 12 months after commission date. USAA Federal Savings Bank checking account is required to apply for a Career Starter loan. Finance charges will accrue during the deferral period. The first payment deferral cannot be extended if the commission date is pushed back or delayed.

Payment Example: A 60-month Career Starter Loan with an annual percentage rate (APR) of 2.99% and a deferral period of one year would have monthly payments of $18.50 per one thousand dollars borrowed. (One year means 365 days and is used here for the purpose of calculating an example payment. Deferral period may be longer or shorter depending on contract date, commission date and other factors.). Payment amount may vary based on length of deferral period.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

All credit cards subject to approval.

"USAA Bank" means USAA Federal Savings Bank.

USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

Coverages subject to the terms and conditions of the policy.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

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

No Department of Defense or government agency endorsement.

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