Bank · FDIC insured
USAA Federal Savings Bank
A $106.2B bank, the 31st largest of 4,207, headquartered in Phoenix, AZ, with 4 branches in 4 states. Best rates: CDs 0.01% and savings 0.01% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—0.01%CD rates →
- Savings630.10%3.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About USAA Federal Savings Bank
USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services.
USAA serves the military community, helping military families protect what and who they love and create a bright future through insurance, banking, advice, and retirement solutions.
- Headquarters
- 1 Norterra Dr, Phoenix, AZ 85085
- FDIC certificate
- 32188 ↗
Branches
4 branches in 4 states
Loading map…
Colorado
1 branch
- Colorado Springs Branch1855 Telstar Dr, Colorado Springs, CO 80920Directions
Maryland
1 branch
- Annapolis Branch125 Prince George St, Annapolis, MD 21401Directions
New York
1 branch
- West Point Branch529 Main St, Highland Falls, NY 10928Directions
Texas
1 branch
- Mcdermott Branch10750 Mcdermott Fwy, San Antonio, TX 78288Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.29% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 1.07% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.90% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $50 | $85 | — |
- CapitalLeverage ratio9.29%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent1.07%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.90%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$50Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of USAA Federal Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.