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 | |
|---|---|---|
Personal Checking Account - $200 Bonus - | Referral Program - Up to $500 Bonus - | |
Benefits and Features | ||
| Savings | Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. | |
| CD | 0.05% 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. |
| Checking | Classic Checking, Youth Spending | Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts |
| Mobile App | ||
| ATMs | 100,000+ USAA and USAA-preferred ATMs | Over 1.7 million Navy Federal and CO-OP Network ATMs |
| Customer Service |
| Phone: 888-842-6328 24/7 customer support Online chat |
| IRA CD | 0.01% 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. |
| Locations | 4 financial centers in Colorado, New York, Maryland, and Texas | |
CreditDonkey® Reviews | ||
| Savings |    | |
| Fees | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Savings account with low rate and limited availability... | Savings account with low APY, best for military personnel... |
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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