Discover Bank vs USAA Bank

Discover Bank is a solid online bank with high APY rates and good customer service. How does it compare to USAA Bank? Read our comparison chart below.

	Discover Bank	USAA Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Online Savings Account - Earn 3.40% APY - Learn More Read Discover Bank Review	SPECIAL OFFER 6-Month CD - 2.25% APY - Learn More Read USAA Bank Review
	Benefits and Features
Savings	3.40% APY	USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open. USAA Performance First Savings: Earn up to 0.50% APY. $1,000 to open.
CD	2.00% to 3.85% APY depending on terms	0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
Checking		Classic Checking, Youth Spending
Mobile App	iOS & Android	iOS & Android
ATMs	Over 60,000 no-fee ATMs	100,000+ USAA and USAA-preferred ATMs
Customer Service	24/7	Monday - Friday: 9AM - 5PM (ET) Saturday: 8:30AM - 1PM (ET)
IRA CD		0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.
Locations	Online Only	4 financial centers in Colorado, New York, Maryland, and Texas
	CreditDonkey® Reviews

Savings
Checking
Money Market
Mobile App
Customer Service
Fees
Pros & Cons	Pros: High yield No fees 24/7 customer service	Pros: $0 monthly fees Free bank card Cons: Low APY Not available for all
Bottom Line	Solid online bank with high APY rates and good customer service... Read full review	Savings account with low rate and limited availability... Read full review
	Visit Site	Learn More
	Online Savings Account - Earn 3.40% APY Certificate of Deposit Discover® CD Rates	6-Month CD - 2.25% APY 9-Month CD - 2.00% APY 9-Month Jumbo CD - 2.00% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Discover Bank: Pricing information and data points from published website as of 10/23/2025. USAA Bank: Pricing information from published website as of 10/11/2025.

Member FDIC

Online Savings Account - Earn 3.40% APY

Get Deal

No fees
No minimum opening deposit
No minimum balance required

Member FDIC

Certificate of Deposit

3.50% APY for 6-month term
3.85% APY for 12-month term
3.70% APY for 18-month term
3.50% APY for 24-month term
3.50% APY for 36-month term
3.50% APY for 5-year term

Learn More

Member FDIC

Discover® CD Rates

No minimum opening deposit required
No fees
FDIC insured

Term	CD Rates
3 Months	2.00% APY
6 Months	3.50% APY
9 Months	3.50% APY
1 Year	3.85% APY
1.5 Years	3.70% APY
2 Years	3.50% APY
2.5 Years	3.50% APY
3 Years	3.50% APY
4 Years	3.50% APY
5 Years	3.50% APY
7 Years	3.50% APY
10 Years	3.50% APY

Learn More

Which is Better: Discover Bank or USAA Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Discover Bank or Wells Fargo.

In short: Discover Bank's savings and customer service are worth mentioning. In particular, the customer service is outstanding.

Articles on Discover Bank

Discover Bank Review

Discover® Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

Discover Online Savings Account Review

Make your money work with Discover® Bank high yield savings: high interest, no fees. Find out its benefits, drawbacks, and the easy way to open an account.