Western Alliance Bank vs USAA Bank

Western Alliance Bank is a solid bank that offers high APY savings products with a fully digital experience. How does it compare to USAA Bank? Read our comparison chart below.

	Member FDIC	USAA BankCIT BankUFB DirectBank of AmericaWells Fargo
	Visit Site	Learn More
	Western Alliance Bank	USAA Bank
	SPECIAL OFFER High-Yield Savings Premier - 4.10% APY Read Western Alliance Bank Review	SPECIAL OFFER 6-Month CD - 2.25% APY - Learn More Read USAA Bank Review
	Benefits and Features
Savings	High-Yield Savings Premier: 4.10% 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	Up to 4.00%; 3-12 month term CDs. $1 minimum deposit.	0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
Checking	N/A	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	35 locations	4 financial centers in Colorado, New York, Maryland, and Texas
	CreditDonkey® Reviews
Savings
CD
Fees
Mobile App
Customer Service
Pros & Cons	Pros: High APY No account activity or maintenance fees Cons: No debit card or checks	Pros: $0 monthly fees Free bank card Cons: Low APY Not available for all
Bottom Line	Solid bank that offers high APY savings products with a fully digital experience... Read full review	Savings account with low rate and limited availability... Read full review
	Visit Site	Learn More
	High Yield Savings Account - 4.10% APY High-Yield CD Rates - Up to 4.00% APY 3-Month High-Yield CD - 4.00% APY	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. Western Alliance Bank: Information sourced from the published website as of 09/30/2025. USAA Bank: Pricing information from published website as of 10/11/2025.

High-Yield Savings Premier - 4.10% APY

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• No account fees
• Option to open individual or joint account
• FDIC insured up to $250,000 per depositor
• Only $500 minimum opening deposit

The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC

Member FDIC

High Yield Savings Account - 4.10% APY

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on Raisin's Secure Website

• No fees
• $1 minimum deposit
• 24/7 online access
• FDIC insured

High-Yield CD Rates - Up to 4.00% APY

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on Raisin's Secure Website

• No fees
• $1 minimum deposit
• FDIC insured

Term	CD Rates
3 Month	4.00% APY
4 Month	3.50% APY
6 Month	3.50% APY
9 Month	3.40% APY
12 Month	3.30% APY

Which is Better: Western Alliance 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 Western Alliance Bank or CIT Bank.

In short: Western Alliance Bank's savings and fees are outstanding. USAA Bank's mobile app is notable.

Articles on Western Alliance Bank

Western Alliance Bank Review

Western Alliance Bank offers savings products with competitive APYs for people looking to grow their money. Is there a catch? Read on to find out.

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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.

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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.

Which Do You Think is Best?