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USAA Bank Promotions

Read our in-depth review of USAA Bank to see why USAA Bank scored 3.4 stars out of 5. We like their $0 monthly fees and free bank card.

If you're looking for bank promotions, you must check out these offers.

2.00%

6-Month CD - 2.00% APY

  • Minimum Deposit to Open: $1,000
2.00%

9-Month CD - 2.00% APY

  • Minimum Deposit to Open: $1,000
2.00%

9-Month Jumbo CD - 2.00% APY

  • Minimum Deposit to Open: $95,000
1.80%

1-Year CD - 1.80% APY

  • Minimum Deposit to Open: $1,000
1.65%

18-Month CD - 1.65% APY

  • Minimum Deposit to Open: $1,000
1.40%

2-Year CD - 1.40% APY

  • Minimum Deposit to Open: $1,000
1.30%

30-Month CD - 1.30% APY

  • Minimum Deposit to Open: $1,000
1.30%

3-Year CD - 1.30% APY

  • Minimum Deposit to Open: $1,000
1.25%

4-Year CD - 1.25% APY

  • Minimum Deposit to Open: $1,000
1.25%

5-Year CD - 1.25% APY

  • Minimum Deposit to Open: $1,000
1.25%

7-Year CD - 1.25% APY

  • Minimum Deposit to Open: $1,000

Standard CD

Term APY
91 Days 3.51%
182 Days 2.00%
7 Months 2.25%
270 Days 2.00%
1 Year 1.80%
15 Months 1.70%
18 Months 1.65%
2 Years 1.40%
30 Months 1.30%
3 Years 1.30%
4 Years 1.25%
5 Years 1.25%
7 Years 1.25%

  • Minimum Deposit to Open: $1,000

USAA Performance First®

Daily Collected Balance APY
Less than $10,000 0.05%
$10,000 to $49,999.99 0.05%
$50,000 to $99,999.99 0.07%
$100,000 to $499,999.99 0.10%
$500,000 and more 0.50%

Chase
Member FDIC

Chase Total Checking® - $400 Bonus

Expires 1/27/2027
  • New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
  • Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
  • Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
  • Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Chase is ranked #1 in Customer Satisfaction with Mobile Banking Apps among National Banks by JD Power.
  • Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
  • Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
  • Minimum Deposit to Open: $0
  • Direct Deposit Required: Yes
  • Minimum Deposit Required: None
  • When Do You Get It: Within 15 days after meeting requirements
  • Monthly Fee: $15 or $0 with one of the following, each monthly statement period: $500+ in qualifying electronic deposits OR $1,500+ balance at the beginning of each day OR $5,000+ average beginning day balance in this account, or in combination with any linked qualifying personal deposits or in investments OR Link this account to a qualifying checking account
Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Expires 1/31/2027
  • The up to $500 cash offer must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 01/31/2027.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.
    Cash BonusTotal Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC

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$300

Personal Checking Account - $300 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of $500 or more within 90 calendar days after account opening.

Expired 6/16/2026
$200

Personal Checking Account - $200 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of $100 or more within 90 calendar days after account opening.

Expired 2/18/2026
$250

Personal Checking Account - $250 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of at least $100 into the account within 90 calendar days after account opening.

Expired 9/3/2025
$200

Personal Checking Account - $200 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of at least $100 into the account within 180 calendar days after account opening.

Expired 4/24/2025
$200

Personal Checking Account - $200 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of $100 or more within 180 calendar days of account opening.

Expired 3/14/2024
$200

Personal Savings Account - $200 Bonus

Open a new USAA Performance First® Savings account. Deposit a minimum of $15,000 in new money within 30 days of account opening. Maintain a $15,000 daily ledger balance in the account for 90 additional days from the 30th day after account opening.

Expired 9/3/2025
$100

Personal Checking Account - $100 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying military pay direct deposit of $100 or more within 180 calendar days of account opening.

Expired 10/10/2023

USAA Bank CD Rates

What is USAA Bank's CD rates?
  • 6-Month CD - 2.00% APY
  • 9-Month Jumbo CD - 2.00% APY
  • 9-Month CD - 2.00% APY
  • 1-Year CD - 1.80% APY
  • 18-Month CD - 1.65% APY
  • 2-Year CD - 1.40% APY
  • 30-Month CD - 1.30% APY
  • 3-Year CD - 1.30% APY
  • 4-Year CD - 1.25% APY
  • 5-Year CD - 1.25% APY
  • 7-Year CD - 1.25% APY

    Highlights

    Savings
  • 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
    1.25% to 3.51% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
    Checking
    Classic Checking, Youth Spending
    Mobile App
    iOS & Android
    ATMs
    100,000+ USAA and USAA-preferred ATMs
    Customer Service
    • 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
    4 financial centers in Colorado, New York, Maryland, and Texas

Pricing information from published website as of 10/09/2026.

 

USAA Bank

Navy Federal Credit Union

 

Benefits and Features

Savings
  • 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.
  • Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.
    CD1.25% to 3.51% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.Standard Certificate: Up to 4.10% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
    CheckingClassic Checking, Youth SpendingFree Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
    Mobile App
    iOS & Android
    iOS & Android
    ATMs100,000+ USAA and USAA-preferred ATMs360+ Navy Federal and more than 30,000 CO-OP Network ATMs
    Customer Service
    • Monday - Friday: 9AM - 5PM (ET)
    • Saturday: 8:30AM - 1PM (ET)
    Phone: 888-842-6328
    24/7 customer support
    Online chat
    IRA CD0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.Up to 4.10% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
    Locations4 financial centers in Colorado, New York, Maryland, and Texas
    360+ branches

    USAA Bank: Pricing information from published website as of 10/09/2026.

    Navy Federal Credit Union: Pricing information from published website as of 10/07/2026 based on 91107 zip code.

    USAA Savings

    • 0.01% APY on all balances
    • $25 minimum opening deposit
    • Minimum Deposit to Open: $25

    USAA Youth Savings

    • 0.01% APY on all balances
    • $25 minimum opening deposit
    • Minimum Deposit to Open: $25

    Youth Spending Account

    • No monthly fee
    • Minimum opening deposit of $25
    • No overdraft fee
    • FDIC insured
    • Minimum Deposit to Open: $25
    • Monthly Fee: $0

    USAA Bank Alternatives

    Chase
    Member FDIC

    Chase Secure Banking℠ - $175 Bonus

    Expires 1/27/2027
    • Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
    • Bank with confidence — no minimum deposit to open an account and no overdraft fees.
    • Secure Banking customers told us they save an average of over $40 per month on fees after opening their account.
    • $0 Monthly Service Fee for customers ages 17-24.
    • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
    • With Chase Credit Journey®, help build and improve your credit with a personalized improvement plan provided by Experian.
    • Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app.
    • Manage your spending with Spending Planner and get daily spending insights in the Chase Mobile® app.
    • JPMorgan Chase Bank, N.A. Member FDIC.
    • Minimum Deposit to Open: $0
    • Direct Deposit Required: No
    • Minimum Deposit Required: None
    • When Do You Get It: Within 15 days after completing qualifying activities
    • Monthly Fee: $4.95 Monthly Service Fee or $0 when you have one of the following during each monthly statement period: Option #1: $250+ in qualifying electronic deposits; OR, Option #2: an account owner who is age 17-24.
    Bank of America
    Member FDIC

    Bank of America Advantage Banking - Up to $500 Cash Offer

    Expires 1/31/2027
    • The up to $500 cash offer must be opened through the Bank of America promotional page.
    • The offer is for new checking customers only.
    • Offer expires 01/31/2027.
    • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.
      Cash BonusTotal Direct Deposits
      $100$2,000
      $300$5,000
      $500$10,000+
    • After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
    • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
    • Additional terms and conditions apply. See offer page for more details.
    • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
    • Bank of America, N.A. Member FDIC
    CIT Bank
    Member FDIC

    CIT Bank Platinum Savings - Up to 4.25% APY Boost

    Expires 12/15/2026
    With 6 month boost, you earn:
    Tier Boost APY
    Balance over $5,000 4.25%*
    Balance less than $5,000 0.75%*

    After boost is completed, you will continue to earn our best standard rates:

    Tier APY
    Balance over $5,000 3.75%1
    Balance less than $5,000 0.25%1

    • Needs to use promo code to qualify: Boost50
    • Boost lasts 6 months over standard APY
    • Tiered account
    • $100 minimum account opening
    • Member FDIC
    • No Monthly Service fees
    • No account opening fees
    • Minimum Deposit to Open: $100
    • Direct Deposit Required: No
    • Monthly Fee: $0
    Disclosures
    HSBC
    Member FDIC

    HSBC Premier - Up to $3,000

    Expires 12/31/2026
    Earn a cash bonus when you open an HSBC Premier checking account and complete qualifying activities.

    • Get $1,000: Deposit or invest $50,000 to $99,999
    • Get $1,500: Deposit or invest $100,000 to $249,999
    • Get $2,000: Deposit or invest $250,000 to $499,999
    • Get $3,000: Deposit or invest $500,000+

    The $50,000 minimum Qualifying Balance may qualify you for the promotional cash bonus, but HSBC Premier checking account has a $50 monthly maintenance fee unless you meet Premier qualification criteria (for example, $100,000 in combined balances).

    How the offer works

    1. Open a Premier checking account by December 31, 2026
    2. Add your preferred amount of deposits and/or eligible investments within 30 days
    3. Maintain your balances for 3 full consecutive months
    4. Remain opted-in to receive HSBC marketing emails

    If all offer requirements are met, the bonus will be paid within 8 weeks.

    Your partner for every stage of life
    We offer a unique range of products and privileges that gives you more of the things you care about. Plus, a personal Wealth Relationship Manager to help you reach your goals.

    • Wealth: Get access to a variety of investment solutions through HSBC Securities (USA) Inc. Investments are Not FDIC Insured; are Not a Deposit or Other Obligation of the Bank; and May Lose Value.
    • Health: Enjoy the support of a health and wellness concierge service, plus complimentary membership to 24/7 telemedicine services for you and your family.
    • Travel: Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
    • International: Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.
    • Monthly Fee: $50 monthly maintenance fee, unless eligibility criteria is met:
      • Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR
      • Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
      • Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.
    Relay

    No-Fee Business Checking

    • $0 monthly service fee
    • $0 minimum opening deposit
    • Open up to 20 individual business checking accounts
    • Earn up to 3.21% APY with automated savings
    • Issue up to 50 Visa® debit cards to your team
    Banking services provided by Thread Bank, Member FDIC.
    • Minimum Deposit to Open: $0
    • Monthly Fee: $0

    Articles on USAA Bank

    USAA Routing Number

    USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.

    USAA Savings Account Interest Rate

    Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.

    USAA High Yield Savings

    USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.

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    More Bank Promotions

    Chase
    Member FDIC

    Chase Coupon

    Chase Bank $400 Bonus
    Bank of America
    Member FDIC

    Bank of America Offer Code

    Bank of America Advantage Banking - Up to $500 Cash Offer

    Wells Fargo Promotions

    Everyday Checking Account - $325 Bonus

    Ally Bank Promotions

    Online Savings Account - 3.10% APY

    About CreditDonkey
    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    †Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

    *Terms and conditions apply. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. Please review the merchant's website for terms and conditions.

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