Save money and be informed. CreditDonkey is a bank comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

USAA Bank vs Ally Bank

USAA Bank is a savings account with low rate and limited availability. How does it compare to Ally Bank? Read our comparison chart below.

 

USAA Bank

Ally Bank

SPECIAL OFFER
Personal Checking Account - $200 Bonus - Learn More

Read USAA Bank Review

SPECIAL OFFER
Online Savings Account - 3.60% APY - Learn More

Read Ally Bank Review

 

Benefits and Features

Savings
  • USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open.
  • USAA Performance First Savings: Earn up to 1% APY. $1,000 to open.
  • 3.60% APY
    CD0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.2.90% to 4.00% APY. Terms of 3 months to 5 years. 12-month CD APY of 3.90%
    CheckingClassic Checking, Youth Spending0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
    Money Market 
    3.60% APY
    Mobile App
    iOS & Android
    iOS & Android
    ATMs100,000+ USAA and USAA-preferred ATMs75,000+ no-fee Allpoint and MoneyPass ATMs
    Customer Service
    • Monday - Friday: 9AM - 5PM (ET)
    • Saturday: 8:30AM - 1PM (ET)
    24/7
    IRA CD0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250. 
    Locations4 financial centers in Colorado, New York, Maryland, and Texas
    Online only
     

    CreditDonkey® Reviews

    SavingsStarStarHalf StarEmpty StarEmpty Star
    FeesStarStarStarHalf StarEmpty Star
    Mobile AppStarStarStarStarHalf Star
    Customer ServiceStarStarStarEmpty StarEmpty Star
    Pros & ConsPros:
    • $0 monthly fees
    • Free bank card
    Cons:
    • Low APY
    • Not available for all
    Bottom LineSavings account with low rate and limited availability... Read full review Read full review

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    USAA Bank: Pricing information from published website as of 03/29/2025.

    Ally Bank: Pricing information from published website as of 03/28/2025.

    Which is Better: USAA Bank or Ally Bank?

    Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing USAA Bank or Chase.


    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.

    Articles on Ally Bank

    Ally No Penalty CD

    Ally Bank's No Penalty CD offers a competitive APY without early withdrawal penalties. Learn more about this CD here.

    Ally Bank Locations

    Ally is an excellent online bank with no physical locations. So, how can you access your funds? Read on to find out.

    Ally High Yield Savings

    Ally Savings offers a strong APY and various savings tools to help you boost your funds. Read on to find out more.

    Ally Bank Problems

    Ally Bank is well-known for having attractive APYs and practically no fees. But, what's the catch? Read on to know what nuisances you may encounter.

    Ally Money Market vs Savings

    Ally's Money Market and Savings accounts boast high APYs with no hidden fees. But, how do they differ? Read on to find out.

    Ally Bank CD Rates

    Ally Bank CD accounts offer high APYs and require no minimum deposit. But what is the catch? Learn more about Ally CD rates in this review.

    Ally Bank Routing Number

    Looking to transfer money in or out of your Ally account? You'll need the right routing number. Find your Ally routing number and learn more about money transfers in our guide.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


    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.

    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    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.

    About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
    (888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
    © 2025 CreditDonkey Inc. All Rights Reserved.