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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.

2.25%

6-Month CD - 2.25% 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
Compare CD Promotion:
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 0.05%
182 Days 2.25%
7 Months 0.05%
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 0.10%
$100,000 to $249,999.99 0.20%
$250,000 to $499,999.99 0.30%
$500,000 and more 0.65%

Bank of America
Member FDIC

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

Expires 1/31/2026
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 1/31/2026.
  • 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.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • 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.
Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 10/15/2025
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC

Don't miss another hot deal. Check back often at CreditDonkey.

$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 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
$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
$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 - 2.25% 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

Pricing information from published website as of 06/28/2025.

 

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 0.65% 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.
    CD0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.Standard Certificate: as high as 4.05%. 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.As high as 4.05%. 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 06/28/2025.

    Navy Federal Credit Union: Pricing information from published website as of 03/24/2025 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

    Bank of America
    Member FDIC

    Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

    Expires 12/31/2025
    • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
    • The offer is for new eligible business checking customers only.
    • Offer expires 12/31/2025.
    • To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
    • Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
    • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
    • Additional terms and conditions apply. See offer page for more details.
    • *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
    • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
    • Bank of America, N.A. Member FDIC
    Wells Fargo

    Wells Fargo Everyday Checking Account - $325 Bonus

    Expires 10/15/2025
    • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
    • Wells Fargo Bank, N.A. Member FDIC
    Discover Bank
    Member FDIC

    Discover® Online Savings - $200 Cash Bonus

    Expires 3/12/2026

    To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

    U.S. Bank
    Member FDIC

    U.S. Bank Business Essentials - $400 Bonus

    Expires 9/30/2025

    Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC

    • Minimum Deposit to Open: $100
    • Monthly Fee: $0 monthly maintenance fee
    CIT Bank
    Member FDIC

    CIT Bank Platinum Savings - 4.00% APY

    • 4.00% APY with a balance of $5,000 or more
    • 0.25% APY with a balance of less than $5,000
    • $100 minimum opening deposit
    • No monthly maintenance fee
    • Member FDIC
    • Minimum Deposit to Open: $100
    • Direct Deposit Required: No
    • 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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    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.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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