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USAA Federal Savings Bank

For information concerning USAA Federal Savings Bank online bank, please click here .

Phone: 800 531 8722

ACH Number: 314074269

SWIFT Code: UFSBUS44XXX

USAA Federal Savings Bank is an FDIC insured institution headquartered at 1 Norterra Dr, Phoenix, AZ 85085.
It was founded in 1983 and has approximately $106 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - December 29, 2025

SAVINGS RATES APY MIN
SAV
0.01% $1 Compare
SAV
0.50% $500,000 Compare
CD RATES APY MIN
6 Mo CD
2.25% $1,000 Compare
9 Mo CD
2.00% $1,000 Compare
12 Mo CD
1.80% $1,000 Compare
15 Mo CD
1.70% $1,000 Compare
18 Mo CD
1.65% $1,000 Compare
24 Mo CD
1.40% $1,000 Compare
36 Mo CD
1.30% $1,000 Compare
48 Mo CD
1.25% $1,000 Compare
60 Mo CD
1.25% $1,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.01% $1,000




Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32188
Date Established 1983
Assets $ 106.48 billion
Loans $ 42.22 billion
Deposits $ 92.77 billion
Capital $ 4.70 billion

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 8.54 billion
Interest-bearing balances $ 1,649.00 million
Total securities $ 52.34 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 42.22 billion
Loan loss allowance $ 1,796.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.39 billion
     Total Assets $ 101.78 billion

LIABILITIES
Total deposits $ 92.77 billion
      Interest-bearing deposits $ 92.38 billion
      Deposits held in domestic offices $ 92.77 billion
      % insured (estimated)" 93.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1,275.00 million
Subordinated debt N.A.
All other liabilities $ 2.15 billionn
      Total Liabilities $ 101.78 billion
      Shareholders’ Equity $ 4.70 billion

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 2.78 billion
Total Interest Expense $ 385.00 million
Net interest income $ 2.39 billion
Provision for loan and lease losses $ 534.00 million
Total non interest income $ 954.00 million
Total non interest expense $ 2.49 billion
Pre-tax Net Operating Income $ 87.00 million

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Branches

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USAA Federal Savings Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    USAA Federal Savings Bank
    Bank
    -
    $50,000
    N.A.
    0.01%
    0.04x (National Avg. - 0.23%)
    $1
    -
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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