USAA Federal Savings Bank

Headquarters

1 Norterra Dr
Phoenix, AZ 85085
See all branch locations →

ACH 314074269

Notable Rates	APY	Vs.Others
Savings	1.10%	4.66% →
1-Year CD	2.05%	4.59% →
2-Year CD	1.65%	4.25% →
5-Year CD	1.50%	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by RYAN S | November 28, 2022 |

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw was on November 23rd, 2022, the day before Thanksgiving. On the 22nd of November I deposited two checks written to me by a family member, but woke up on the 23rd to find my account was locked. I called in to see what the issue was and was told by the clerk, quite rudely, that my deposits were suspicious. While I understand the need to hold the funds at times to verify funds are available, I do not understand nor appreciate being laughed at by the bank clerk who attempted to ridicule me. After being admonished by the clerk, she said my online account would be reinstated. Of course, it was not, so I was forced to call in yet again to reinstate access to the bank through my smart phone. On Friday, the 24th of November, I called in to make a complaint about my experience. The person I spoke to this time made excuses for why the first clerk was so rude, yet didn't bother to ask who I had spoken to or when this discussion had happened.

USAA no longer cares. I believe poor leadership from those at the top have ruined the organization. As a disabled Army veteran, I used to be able to rely on USAA to treat me with dignity and respect, but sadly this is no longer the case. It's sad, as their insurance products are wonderful, but banking here is far more trouble than it's worth.

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2025 Overview

General Bank Information

USAA Federal Savings Bank is an FDIC insured institution located in Phoenix, AZ. It was founded in 1983 and has approximately $109.22 billion in assets.


FDIC Insured	Yes
FDIC Certificate	# 32188
Date Established	1983
Assets	$ 109.22 billion
Loans	$ 43.41 billion
Deposits	$ 95.96 billion
Capital	$ 3.92 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 on the Analysis page.

Deposit Rates - April 30, 2025

Your Current Location: Illinois, IL 10007

Savings and Money Market Rates	APY	MIN	MAX
USAA Savings	0.01%	$1	-	Learn More Reviews
USAA Performance First	1.10%	$500,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Month CD	2.50%	$1,000	-	Learn More Reviews
9 Month CD	2.25%	$1,000	-	Learn More Reviews
12 Month CD	2.05%	$1,000	-	Learn More Reviews
18 Month CD	1.80%	$1,000	-	Learn More Reviews
24 Month CD	1.65%	$1,000	-	Learn More Reviews
36 Month CD	1.55%	$1,000	-	Learn More Reviews
48 Month CD	1.50%	$1,000	-	Learn More Reviews
60 Month CD	1.50%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
USAA Classic Checking	0.01%	$1,000	-	Learn MoreShow Less

Online Only Savings Rates of USAA Federal Savings Bank

Online Savings Rates	APY	MIN	MAX
USAA Savings	0.01%	$10,000	-	Learn More Reviews
USAA Performance First	1.45%	$1,000,000	-	Learn More Reviews

Online Only CD Rates of USAA Federal Savings Bank

Online CD Rates	APY	MIN	MAX
9 Month CD	3.20%	$1,000	-	Learn More Reviews
12 Mo CD 1K	3.00%	$1,000	-	Learn More Reviews
18 Mo CD	2.80%	$1,000	-	Learn More Reviews
24 Mo CD	2.60%	$1,000	-	Learn More Reviews
36 Mo CD	2.55%	$1,000	-	Learn More Reviews
48 Mo CD 1K	2.50%	$1,000	-	Learn More Reviews
60 Mo CD 1K	2.50%	$1,000	-	Learn More Reviews

Checking Rates	APY	MIN	FEE
Classic Checking	0.01%	$0	$0.00	Learn MoreShow Less

Bank Online Offers

Loan Rates - April 30, 2025

Your Current Location: Illinois, IL 10007

There are currently no loan rates available for USAA Federal Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Illinois 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	6.632%	6.500% 0.75 points $4,395 fees	$2,023	Learn More
NMLS ID: 6606	6.715%	6.625% 0.88 points $2,986 fees	$2,049	Learn More
NMLS ID: 3030	7.576%	7.500% 0.75 points $2,400 fees	$2,238	Learn More
NMLS ID: 491986		points fees		Learn More

See More Mortgage Rates →

Featured - Illinois Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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Branches

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.

Your Location:
Peru,Illinois