Get $200 with our latest offer.
How to claim your cash bonus:
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Step 1: Apply
Apply for a new USAA Performance First® Savings account between 5/7/2025 and 9/3/2025 before 11:59 p.m. Central Time.See note1
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Step 2: Deposit
Deposit at least $15,000 in new moneySee note1 within 30 days of opening your account.
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Step 3: Maintain
Maintain a $15,000 daily ledger balance in the account for 90 additional days from the 30th day after account opening.
Choose an account that's right for you.
To find out how much interest you can earn, view our rates of Annual Percentage Yield (Opens a pop up)
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USAA Performance First® Savings
With a $1,000 minimum opening deposit you have an opportunity to enjoy higher interest rates based on your balance.
Apply now for a USAA Performance First® Savings -
USAA Savings
Begin your savings journey with an initial deposit of $25 or more.
Apply now for a USAA Savings account
Rates for Savings Accounts
Annual Percentage Yield (A P Y)
| Daily Collected Balance | A P Y |
|---|---|
| Less than $1,000 | 0.01% |
| $1,000 to $4,999.99 | 0.01% |
| $5,000 to $9,999.99 | 0.01% |
| $10,000 and over | 0.01% |
| Daily Collected Balance | A P Y |
|---|---|
| Less than $10,000 | 0.05% |
| $10,000 to $24,999.99 | 0.05% |
| $25,000 to $49,999.99 | 0.05% |
| $50,000 to $99,999.99 | 0.24% |
| $100,000 to $249,999.99 | 0.34% |
| $250,000 to $499,999.99 | 0.44% |
| $500,000 to $999,999.99 | 0.79% |
| $1,000,000 and over | 0.79% |
| Daily Collected Balance | A P Y |
|---|---|
| Less than $1,000 | 0.01% |
| $1,000 to $4,999.99 | 0.01% |
| $5,000 to $9,999.99 | 0.01% |
| $10,000 and over | 0.01% |
Resources to reach your savings goals faster
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Savings Tools
Have a USAA Classic Checking account? Put it on autopilot with regular transfers to savings using our free tools.
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No Monthly Service Fees
Save even more when you never need to worry about monthly service fees.
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Budgeting Tools
Track activity across all your accounts with our free money management tools.
Banking with us can be simple and secure.
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Convenient Ways To Move Money
Use automatic transfers and tools like Deposit@MobileSee note®See note2 and Zelle®.
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Deposits Straight To Savings
Send some of your paycheck directly to savings with direct deposit. You can also make deposits at select USAA Federal Savings Bank ATMs.See note3
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Fraud Monitoring
You'll get automatic alerts 24/7 for any suspicious activity on your account.See note4
Empower your kids with a youth savings account.
Help them build a positive relationship with money that can benefit them for life.
Savings account Frequently Asked Questions
Related advice articles
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What's the difference between checking and savings?
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Interest on a savings account: How your money can make money
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How to prioritize savings goals.