What are the current interest rates at USAA Federal Savings Bank?

Current rates for USAA Federal Savings Bank include: 12-Month CD: 0.01%, 18-Month CD: 1.64%, 24-Month CD: 1.39%, 36-Month CD: 0.01%, 48-Month CD: 0.01%, 60-Month CD: 0.01%, Savings: 0.01%

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USAA Federal Savings Bank Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, USAA Federal Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

USAA Federal Savings Bank's top rates as of October 7, 2026 are 2.50% APY on its 7-Months 7-Month Super jumbo CD, 0.01% APY on savings, 0.01% APY on checking, and 6.50% on its VA jumbo purchase loan mortgage, according to rates verified by MonitorBankRates. Other USAA Federal Savings Bank CD rates include 7-month fixed-rate CD at 2.50%, 7-Months 7-Month Super jumbo CD at 2.47%, and 7-Months 7-Month Jumbo CD at 2.34%. Other USAA Federal Savings Bank mortgage rates include VA cash-out refinance loan at 7.00%, Conventional purchase loan at 7.50%, and Conventional refinance loan at 7.50%. MonitorBankRates evaluates the financial stability of USAA Federal Savings Bank with a 3.5 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 6.80%. Rates last updated and verified on 10/07/2026.

USAA Federal Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USAA Federal Savings Bank? Share your experience about USAA Federal Savings Bank by leaving a review below, or read customer reviews before you decide to use USAA Federal Savings Bank.

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

3.5

Good Out of 5.0 Stars

Texas Ratio

6.80%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

USAA Federal Savings Bank

1 Norterra Dr
Phoenix, AZ 85085

https://www.usaa.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

USAA Federal Savings Bank CD Rates

Product	Rate	APY	Term
7 Month Super jumbo CD	-	2.50%	7 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7-month fixed-rate CD	-	2.50%	7-month
Min Deposit $175,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Sep 24, 20262.50%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7 Month Super jumbo CD	-	2.47%	7 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7 Month Jumbo CD	-	2.34%	7 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.34% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7-month fixed-rate CD	-	2.34%	7-month
Min Deposit $95,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.34% ▲ 0.09 pts · high 2.34% / low 2.25% Sep 24, 20262.34%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7 Month Jumbo CD	-	2.32%	7 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.32% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Super jumbo CD	-	2.25%	182 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7 Month Standard CD	-	2.25%	7 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7-month fixed-rate CD	-	2.25%	7-month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 2.25% → 2.25% ▼ 0.00 pts · high 2.34% / low 2.25% Sep 27, 20262.25%▼ from 2.34% Sep 24, 20262.34%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Super jumbo CD	-	2.23%	182 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.23% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
7 Month Standard CD	-	2.23%	7 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.23% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Jumbo CD	-	2.15%	182 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Jumbo CD	-	2.13%	182 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.13% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Standard CD	-	2.00%	182 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
270 Day Jumbo CD	-	2.00%	270 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
270 Day Standard CD	-	2.00%	270 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
270 Day Super jumbo CD	-	2.00%	270 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
91 Day Super jumbo CD	-	2.00%	91 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Standard CD	-	1.98%	182 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.98% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
270 Day Jumbo CD	-	1.98%	270 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.98% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
270 Day Standard CD	-	1.98%	270 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.98% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
270 Day Super jumbo CD	-	1.98%	270 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.98% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
91 Day Super jumbo CD	-	1.98%	91 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.98% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Jumbo CD	-	1.80%	1 year
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Standard CD	-	1.80%	1 year
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Super jumbo CD	-	1.80%	1 year
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Jumbo CD	-	1.79%	1 year
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.79% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Standard CD	-	1.79%	1 year
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.79% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Super jumbo CD	-	1.79%	1 year
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.79% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
91 Day Jumbo CD	-	1.75%	91 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
91 Day Jumbo CD	-	1.74%	91 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.74% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
15 Month Jumbo CD	-	1.70%	15 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
15 Month Standard CD	-	1.70%	15 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
15 Month Super jumbo CD	-	1.70%	15 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
15 Month Jumbo CD	-	1.69%	15 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.69% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
15 Month Standard CD	-	1.69%	15 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.69% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
15 Month Super jumbo CD	-	1.69%	15 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.69% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
18 Month Jumbo CD	-	1.65%	18 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
18 Month Standard CD	-	1.65%	18 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
18 Month Super jumbo CD	-	1.65%	18 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
18 Month Jumbo CD	-	1.64%	18 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.64% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
18 Month Standard CD	-	1.64%	18 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.64% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
18 Month Super jumbo CD	-	1.64%	18 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.64% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
91 Day Standard CD	-	1.50%	91 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
91 Day Standard CD	-	1.49%	91 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.49% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
2 Year Jumbo CD	-	1.40%	2 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
2 Year Standard CD	-	1.40%	2 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
2 Year Super jumbo CD	-	1.40%	2 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
2 Year Jumbo CD	-	1.39%	2 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.39% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
2 Year Standard CD	-	1.39%	2 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.39% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
2 Year Super jumbo CD	-	1.39%	2 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.39% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Jumbo CD	-	1.30%	3 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Standard CD	-	1.30%	3 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Super jumbo CD	-	1.30%	3 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Month Jumbo CD	-	1.30%	30 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Month Standard CD	-	1.30%	30 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Month Super jumbo CD	-	1.30%	30 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Jumbo CD	-	1.29%	3 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.29% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Standard CD	-	1.29%	3 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.29% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Super jumbo CD	-	1.29%	3 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.29% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Month Jumbo CD	-	1.29%	30 months
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.29% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Month Standard CD	-	1.29%	30 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.29% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Month Super jumbo CD	-	1.29%	30 months
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.29% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Jumbo CD	-	1.25%	4 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Standard CD	-	1.25%	4 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Super jumbo CD	-	1.25%	4 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Jumbo CD	-	1.25%	5 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Standard CD	-	1.25%	5 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Super jumbo CD	-	1.25%	5 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Jumbo CD	-	1.24%	4 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.24% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Standard CD	-	1.24%	4 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.24% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Super jumbo CD	-	1.24%	4 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.24% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Jumbo CD	-	1.24%	5 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.24% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Standard CD	-	1.24%	5 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.24% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Super jumbo CD	-	1.24%	5 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.24% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
120 Day Jumbo CD	-	0.05%	120 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
120 Day Standard CD	-	0.05%	120 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
120 Day Super jumbo CD	-	0.05%	120 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
150 Day Jumbo CD	-	0.05%	150 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
150 Day Standard CD	-	0.05%	150 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
150 Day Super jumbo CD	-	0.05%	150 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Day Jumbo CD	-	0.05%	30 days
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Day Standard CD	-	0.05%	30 days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 3 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
30 Day Super jumbo CD	-	0.05%	30 days
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
1 Year Standard CD	-	0.01%	1 year
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
182 Day Standard CD	-	0.01%	182 days
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Jumbo CD	-	0.01%	3 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Standard CD	-	0.01%	3 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
3 Year Super jumbo CD	-	0.01%	3 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Jumbo CD	-	0.01%	4 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Standard CD	-	0.01%	4 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
4 Year Super jumbo CD	-	0.01%	4 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Jumbo CD	-	0.01%	5 years
Min Deposit $95,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Standard CD	-	0.01%	5 years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
5 Year Super jumbo CD	-	0.01%	5 years
Min Deposit $175,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%

USAA Federal Savings Bank Savings Rates

Product	Rate	APY
USAA Savings	-	0.01%
Min Balance $0 Details Balance: Less than $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Savings	-	0.01%
Min Balance $1,000 Details Balance: $1,000 to $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Savings	-	0.01%
Min Balance $5,000 Details Balance: $5,000 to $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Savings	-	0.01%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Youth Savings	-	0.01%
Min Balance $0 Details Balance: Less than $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Youth Savings	-	0.01%
Min Balance $1,000 Details Balance: $1,000 to $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Youth Savings	-	0.01%
Min Balance $5,000 Details Balance: $5,000 to $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
USAA Youth Savings	-	0.01%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%

USAA Federal Savings Bank Checking Rates

Product	Rate	APY	View More
USAA Classic Checking	-	0.01%
Min Balance $1,000 Details Balance: $1,000 or more Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%

USAA Federal Savings Bank Mortgage Rates

Product	Rate	Points	APR
VA jumbo purchase loan	6.50%	0.845	6.847%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.85% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
VA cash-out refinance loan	7.00%	0.988	7.552%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.55% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Conventional purchase loan	7.50%	0.806	7.698%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.70% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Conventional refinance loan	7.50%	1.152	7.75%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Conventional cash-out loan	7.625%	2.345	8.006%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.01% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%

USAA Federal Savings Bank Other Rates

Product	Rate	Points	APY/APR
Low down payment purchase loan	7.375%	0.809	8.004%
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.00% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
VA purchase loan	6.50%	0.775	6.887%
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.89% APR · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Base Relationship Rate	-	-	0.05%
Min Balance $0 Details Rates for a daily ledger balance less than $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Military-Pay Relationship Rate	-	-	0.10%
Min Balance $0 Details Rates for a daily ledger balance less than $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Premium Relationship Rate	-	-	0.07%
Min Balance $0 Details Rates for a daily ledger balance less than $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.07% APY · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%
Standard (Not Enrolled)	-	-	0.05%
Min Balance $0 Details Rates for a daily ledger balance less than $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 3.5 Star Rating B- Health Grade ◈ Texas Ratio: 6.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

USAA Federal Savings Bank’s Texas Ratio fell from 8.51% in Q3 2023 to 6.80% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 3.5 and its Health Grade from F to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$106.2B	6.80%	3.5	B-
March 31, 2026	$109.7B	7.31%	3.1	C+
December 31, 2025	$108.0B	7.74%	2.9	C
September 30, 2025	$104.9B	7.62%	2.8	C
June 30, 2025	$106.5B	7.90%	2.4	C-
March 31, 2025	$110.8B	8.51%	1.9	D
December 31, 2024	$109.2B	9.42%	1.6	D
September 30, 2024	$110.3B	7.64%	2.0	D
June 30, 2024	$111.7B	8.18%	1.3	F
March 31, 2024	$114.0B	8.64%	1.2	F
December 31, 2023	$110.4B	8.17%	1.3	F
September 30, 2023	$109.4B	8.51%	1.0	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for USAA Federal Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather USAA Federal Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with USAA Federal Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name USAA Federal Savings Bank

Bank Holding Company UNITED SERVICES AUTOMOBILE ASSN

Address 1 Norterra Dr, Phoenix, AZ 85085 · Maricopa

Website https://www.usaa.com

FDIC Certificate # 32188

Established 19831230

FDIC Insurance Date 19890809

Domestic Offices 2

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B-

Overall Health Grade Score: 81/100

3.5

Good Out of 5.0 Stars

6.80%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8967%

Return on Equity (ROE) 17.4400%

Non-Performing Loans (NPL) 0.46%

Total Assets $106,188,000,000

Total Deposits $91,971,000,000

Equity Capital $5,820,000,000

Net Income $484,000,000

Headquarters Phoenix

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About USAA Federal Savings Bank

How many branches does USAA Federal Savings Bank operate?

USAA Federal Savings Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, USAA Federal Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, USAA Federal Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does USAA Federal Savings Bank offer online and mobile banking?

Most modern institutions like USAA Federal Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usaa.com.