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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 USAA Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
USAA's 182-day fixed rate CD rates are at 2.25%, 182 days Jumbo CD rates are at 2.25%, 182 days Standard CD rates are at 2.25%, 91 days Super jumbo CD rates are at 2.25%, 91 days Jumbo CD rates are at 2.10%. USAA's VA Interest Rate Reduction Refinance Loan (IRRRL) rates are at 5.88%, VA Interest Rate Reduction Refinance Loan, or IRRRL rates are at 5.88%, VA purchase loan rates are at 5.88%, VA jumbo purchase loan rates are at 6.00%, VA cash-out refinance loan rates are at 5.88%. USAA's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of USAA with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/22/2026. USAA 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? Share your experience about USAA by leaving a review below, or read customer reviews before you decide to use USAA. 
USAA CD Rates
USAA Mortgage Rates
USAA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for USAA 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 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's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
USAA
Bank Holding Company
UNITED SERVICES AUTOMOBILE ASSN
Address
3773 Howard Hughes Pkwy,
Las Vegas, NV 89169 · Clark
Website
https://www.usaa.com
FDIC Certificate #
34351
Established
09/27/1996
FDIC Insurance Date
09/27/1996
Domestic Offices
1
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
13.2711%
Return on Equity (ROE)
44.2500%
Non-Performing Loans (NPL)
0.00%
Total Assets
$2,624,123,000
Total Deposits
$156,976,000
Equity Capital
$797,793,000
Net Income
$72,553,000
Headquarters
Las Vegas
Total Offices
1
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About USAAIs USAA a safe place to deposit money?Yes, USAA is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does USAA operate?USAA currently maintains approximately multiple 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 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 provides members with tools to manage their accounts and build a solid financial history. Does USAA offer online and mobile banking?Most modern institutions like USAA 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. Current USAA Rates
Retrieved from our database of financial products. Rates subject to change.
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Mutual S&L
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