Also known as: USAA; USAA Mortgage
USAA Federal Savings Bank is a federally chartered savings bank headquartered in San Antonio, Texas, providing financial products and services exclusively to current and former US military members and their eligible family members. Membership at USAA is restricted and not open to the general public.
Eligible members include active-duty service members, veterans who have honorably served, and their spouses and children. Widows, widowers, and un-remarried former spouses of USAA members may also qualify. Consumers should verify their eligibility directly with USAA before attempting to open accounts or apply for products.
For eligible members, USAA Federal Savings Bank commonly offers checking and savings accounts, credit cards, auto loans, personal loans, and home mortgages. USAA also provides homeowners, renters, auto, and life insurance products through affiliated USAA companies, making it a broad financial services provider for military families.
USAA is frequently cited for strong customer satisfaction among its membership base. Its products are often noted as competitive in areas particularly relevant to military life, such as auto loans, banking during deployments, and coverage for members stationed overseas or frequently relocating.
USAA operates as a primarily digital bank with limited physical branch locations. Most banking is conducted through the USAA app, website, or by phone. ATM fee reimbursements are typically available for qualifying account holders.
For home buyers, USAA Mortgage offers conventional, VA, and FHA loan options. VA loans are a particularly relevant product for eligible veterans, as these government-backed loans can offer favourable terms.
USAA Federal Savings Bank is regulated by the Office of the Comptroller of the Currency and deposits are insured by the FDIC up to applicable limits.
Quick info
Bank
USAA; USAA Mortgage
USAA
FDIC-insured. OCC-regulated federal savings bank.
2026-06-06
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Checking and savings; credit cards; auto loans; personal loans; mortgages; renters and homeowners insurance
Additional notes
Membership is restricted to current and former military members and their families. Eligibility should be confirmed before applying.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
General public sentiment
Consistently high ratings among military-affiliated customers for overall service and loyalty programmes.
Source URLs
Date checked
2026-06-06
How do I make a complaint about USAA Federal Savings Bank?
Start with USAA Federal Savings Bank's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is USAA Federal Savings Bank regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find USAA Federal Savings Bank's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think USAA Federal Savings Bank has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a USAA Federal Savings Bank issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
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