USAA Federal Savings Bank

10750 Mcdermott Freeway
San Antonio, TX 78288

General Bank Information

FDIC Insured Yes

FDIC Certificate # 32188

Date Established 1983

USAA Federal Savings Bank is an FDIC insured institution located in San Antonio, TX. It was founded in 1983 and has approximately $70.24 billion in assets.

USAA Federal Savings Bank Financial Size

Assets $70.24 billion
Loans $43.35 billion
Deposits $63.00 billion
Capital $6.04 billion

For a more detailed analysis of USAA Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.69
Credit Card Loans 39.28
Consumer Auto Loans 29.46
Small Business Loans 0.00
Construction and Development Loans 0.12
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

The top three loan types in USAA Federal Savings Bank’s loan portfolio are Credit Card Loans, Consumer Auto Loans, and 1-4 Family Residential Loans.

Compared to other banks in Texas, USAA Federal Savings Bank has a significantly higher percent of Credit Card Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Your Current Location:
Virginia, VA 20146

CD Rates APY Min Max More
3 Mo CD 10K 0.30% $1,000 $94,999
3 Mo CD 100K 0.35% $95,000 $174,999
6 Mo CD 10K 0.56% $1,000 $94,999
6 Mo CD 100K 0.61% $95,000 $174,999
12 Mo CD 10K 0.71% $1,000 $94,999
12 Mo CD 100K 0.76% $95,000 $174,999
18 Mo CD 10K 0.76% $1,000 $94,999
18 Mo CD 100K 0.81% $95,000 $174,999
24 Mo CD 10K 0.81% $1,000 $94,999
24 Mo CD 100K 0.86% $95,000 $174,999
30 Mo CD 10K 0.85% $1,000 $94,999
30 Mo CD 100K 0.90% $95,000 $174,999
36 Mo CD 10K 0.91% $1,000 $94,999
36 Mo CD 100K 0.96% $95,000 $174,999
48 Mo CD 10K 0.95% $1,000 $94,999
48 Mo CD 100K 1.00% $95,000 $174,999
60 Mo CD 10K 1.06% $1,000 $94,999
60 Mo CD 100K 1.11% $95,000 $174,999
Fixed IRA Rates APY Min Max More
Fixed IRA 0K 0.71% $250 $94,999
Variable IRA Rates APY Min Max More
Var IRA 0K 0.46% $250 -
MM Rates APY Min Max More
MM 2.5K 0.05% $1,000 $4,999
MM 10K 0.15% $10,000 $24,999
MM 25K 0.15% $25,000 -
PREMM Rates APY Min Max More
Premium MM 10K 0.20% $10,000 $24,999
Premium MM 25K 0.25% $25,000 $49,999
Int Checking Rates APY Min Max More
Int Ckg 0K 0.01% $1,000 -
Checking Rates APY Min Fee More
Secure Checking 0.00% $0 $0.00

Your Current Location:
Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Auto Loan Rates APR Rate Monthly Payment More
3 Year 0.74% 0.74% $702.40
4 Year 2.25% 2.25% $545.11
5 Year 2.25% 2.25% $440.93
Refinance Mortgage Rates APR Rate Monthly Payment More
15 Year Fixed Conforming 3.44% 3.25% $1,756.67
30 Year Fixed Conforming 4.15% 4.00% $1,193.54
Purchase Mortgage Rates APR Rate Monthly Payment More
15 Year Fixed Conforming 3.44% 3.25% $1,756.67
30 Year Fixed Conforming 4.15% 4.00% $1,193.54

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


USAA Federal Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Usaa Federal Savings Bank Locations

USAA Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of USAA Federal Savings Bank. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

USAA Federal Savings Bank U.S. Bank Average
Texas Ratio 6.54% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2015, USAA Federal Savings Bank had $435,439,000 in non-current loans and $5,450,000 in owned real estate. To cover these potential losses it had $6,044,275,000 in equity and $697,617,000 in loans loss reserves. That gives it a Texas Ratio of 6.54%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity 13.75% 9.12%

USAA Federal Savings Bank has a Return on Equity of 13.75% versus the BestCashCow average of 9.12%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization 8.61% 11.18%

USAA Federal Savings Bank has a Capitalization of 8.61% versus the BestCashCow average of 11.18%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

USAA Federal Savings Bank Balance Sheet Analysis

As of March 31, 2015, USAA Federal Savings Bank had assets of $70,236,783,000, loans of $43,346,328,000, and deposits of $62,995,318,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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