Rate updated · 64 banks tracked
USAA savings account rate: 0.01% APY
USAA pays 0.01% on its savings account — ranking in the bottom quartile of the 64 banks SwitchWize tracks, where the best available rate is 4.22%. (Updated October 12, 2026.)
Is USAA a good savings rate? Not really. At 0.01% it trails the 4.22% best available rate, leaving about $1,052 a year on the table on a $25,000 balance.
The gap, in your dollars
At 0.01%, $25,000 earns $3/yr here versus $1,054/yr at the field leader — a $1,052/yr difference.
See your exact number →Higher-paying alternatives we track
Rates subject to change. Verify before switching.
Frequently asked questions
What is USAA's savings account interest rate?▾
USAA pays 0.01% APY on its savings account as of October 12, 2026, based on rates SwitchWize tracks across 64 banks.
Is USAA's savings rate good?▾
USAA's 0.01% ranks in the bottom quartile of tracked banks. The best available rate is 4.22% and the FDIC national average is 0.38%.
Which banks pay more than USAA?▾
Higher-paying tracked options include keybank, usbank, washington savings bank. Compare rates at /banks to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.