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USAA Bank vs Navy Federal Credit Union

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

 

USAA Bank

Navy Federal Credit Union

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

Read USAA Bank Review

SPECIAL OFFER
Referral Program - Up to $500 Bonus - Learn More

Read Navy Federal Credit Union 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.
  • 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 ATMsOver 1.7 million Navy Federal and 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
    335 branches
     

    CreditDonkey® Reviews

    SavingsStarStarHalf StarEmpty StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
    FeesStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
    Mobile AppStarStarStarStarHalf StarStarStarStarStarEmpty Star
    Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
    Pros & ConsPros:
    • $0 monthly fees
    • Free bank card
    Cons:
    • Low APY
    • Not available for all
    Pros:
    • $0 monthly charge
    • Extensive ATM network
    Cons:
    • Low interest rate
    • $5 opening deposit
    • Only for members
    Bottom LineSavings account with low rate and limited availability... Read full reviewSavings account with low APY, best for military personnel... Read full review

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

    Navy Federal Credit Union: Pricing information from published website as of 03/24/2025 based on 91107 zip code.

    Which is Better: USAA Bank or Navy Federal Credit Union?

    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.

    In short: Navy Federal Credit Union's customer service is noteworthy.


    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 Navy Federal Credit Union

    Navy Federal High Yield Savings

    Navy Federal Credit Union provides various financial products. But do they have a high-yield savings account? Find out here.

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