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USAA savings rates
USAA has two savings accounts: The most basic is the USAA Savings Account, and its premium option is the USAA Performance First Savings Account.
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
On USAA’s site. USAA, FDIC Insured
USAA Savings Account
Details
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
The USAA Savings Account pays 0.01%, regardless of what your balance is.
USAA Performance First Savings Account
Annual Percentage Yield (APY)
0.01% to 0.90%
Minimum Deposit Amount
$10,000
USAA Performance First Savings Account
Annual Percentage Yield (APY)
0.01% to 0.90%
Minimum Deposit Amount
$10,000
On USAA’s site. USAA, FDIC Insured
USAA Performance First Savings Account
Details
Annual Percentage Yield (APY)
0.01% to 0.90%
Minimum Deposit Amount
$10,000
USAA Performance First Savings Account has a tiered interest rate system. You don’t start to earn a decent rate until you have tens of thousands of dollars in your account — and even then, you could earn a much higher interest rate with an online bank that allows a smaller opening deposit.
How USAA savings rates compare
We’ve compared USAA savings rates to interest rates at two other popular institutions for military members and their families: Navy Federal Credit Union and Pentagon Federal Credit Union.
Compare USAA to our top picks
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On Navy Federal Credit Union’s secure site. Navy Federal Credit Union, NCUA insured.
Learn more
Pentagon Federal Credit Union, NCUA insured.
Other USAA savings options
The USAA Youth Savings Account is an option for children under 18, with access and tools for parents. It pays 0.01%.
USAA also has CDs. Depending on the term, you will earn 0.05% to 4.50% on a USAA Bank CD. However, you must be willing to part with your money for the length of the term. And even though USAA CD rates are more impressive than its savings rates, you can still earn higher CD rates at other online banks.
See Insider’s list of the best savings accounts »
USAA savings rates FAQ
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