Checking Account Interest Rates

USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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A safe, steady place for your money

Keep your everyday account and your child's account secure with our checking accounts.

Keep your everyday account and your child's account secure with our checking accounts.

Rates for checking accounts
Account type	Daily ledger balance	Annual Percentage Yield (APY)
USAA Classic Checking	$1,000 or more	§
USAA Youth Spending	$1,000 or more	§

Keep your everyday account and your child's account secure with our checking accounts.

Variable APYs are current as of 09/12/2025. Rates are subject to change. Fees may reduce earnings.