Bank · FDIC insured
USAA Federal Savings Bank Savings Rates
USAA Federal Savings Bank’s best savings rate is 0.01% APY on $10,000, with its USAA Savings. Rates checked October 3, 2026.
How USAA Federal Savings Bank’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where USAA Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
USAA Federal Savings Bank
0.15%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $15
USAA Performance First Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
USAA Federal Savings Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where USAA Federal Savings Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
USAA Performance First Savings
Up to 0.15%APY
Available to eligible USAA members. Enrolling in the Relationship Rates Program and linking an eligible USAA Classic Checking account may qualify the account for higher rates. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 0.10% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| Up to $10,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 0.07% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| Up to $10,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.05% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $10,000 – $25,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 0.15% | $15 | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $10,000 – $25,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 0.10% | $10 | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $10,000 – $25,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.05% | $5 | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $25,000 and upPromotional rate offer: Apply for a first eligible USAA Performance First Savings account between August 11, 2026, and November 17, 2026 (11:59 p.m. CT). Deposit at least $25,000 in new money from outside USAA Bank within 30 calendar days of account opening. Earns 3.00% APY for 6 months, after which the rate reverts to the applicable variable APY. Excludes current or former USAA Savings or USAA Performance First Savings owners within the last 6 months, as well as trust/estate/fiduciary accounts. | 3.00% | — | Promotional rate offer: Apply for a first eligible USAA Performance First Savings account between August 11, 2026, and November 17, 2026 (11:59 p.m. CT). Deposit at least $25,000 in new money from outside USAA Bank within 30 calendar days of account opening. Earns 3.00% APY for 6 months, after which the rate reverts to the applicable variable APY. Excludes current or former USAA Savings or USAA Performance First Savings owners within the last 6 months, as well as trust/estate/fiduciary accounts. |
| $25,000 – $50,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 0.30% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $25,000 – $50,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 0.25% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $25,000 – $50,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.05% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $50,000 – $100,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 0.60% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $50,000 – $100,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 0.50% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $50,000 – $100,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.07% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $100,000 – $250,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 0.70% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $100,000 – $250,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 0.60% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $100,000 – $250,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.10% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $250,000 – $500,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 0.80% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $250,000 – $500,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 0.70% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $250,000 – $500,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.10% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $500,000 – $1,000,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 1.10% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $500,000 – $1,000,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 1.00% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $500,000 – $1,000,000Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.50% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
| $1,000,000 and upMilitary-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. | 1.10% | — | Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. |
| $1,000,000 and upPremium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. | 1.00% | — | Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. |
| $1,000,000 and upStandard rate (not enrolled in Relationship Rates) or Base Relationship Rate. | 0.50% | — | Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate. |
Sources (3)
All captured Oct 3, 2026
USAA Savings
0.01%APY
Requires a minimum initial deposit of $25. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.01% | — |
| $1,000 – $5,000 | 0.01% | — |
| $5,000 – $10,000 | 0.01% | — |
| $10,000 and up | 0.01% | $1 |
Special-purpose accounts
USAA Youth Savings
0.01%APY
For children younger than 18; parent or legal guardian must be a USAA member. Requires a minimum opening deposit of $25. No monthly service fee. Converts to a regular savings account when the child turns 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.01% | — |
| $1,000 – $5,000 | 0.01% | — |
| $5,000 – $10,000 | 0.01% | — |
| $10,000 and up | 0.01% | $1 |
Sources (3)
All captured Oct 3, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.