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:
|
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.