Introducing the Relationship Rates Program
This new program gives you a chance to earn a higher APY when you pair your USAA Performance First® Savings account with a USAA Classic Checking account.
To find out how much interest you can earn, view our rates.
Daily ledger balance |
Less than $10,000 |
|---|---|
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$10,000 to $24,999.99 |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$25,000 to $49,999.99 |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$50,000 to $99,999.99 |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$100,000 to $249,999.99 |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$250,000 to $499,999.99 |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$500,000 to $999,999.99 |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
Daily ledger balance |
$1,000,000 and over |
Standard Rate - not enrolled in Relationship Rates |
§ % |
Base Relationship Rate |
§ % |
Premium Relationship Rate |
§ % |
Military-Pay Relationship Rate |
§ % |
| Daily ledger balance | Standard Rate - not enrolled in Relationship Rates | Base Relationship Rate | Premium Relationship Rate | Military-Pay Relationship Rate |
|---|---|---|---|---|
Less than $10,000 |
§ % |
§ % |
§ % |
§ % |
$10,000 to $24,999.99 |
§ % |
§ % |
§ % |
§ % |
$25,000 to $49,999.99 |
§ % |
§ % |
§ % |
§ % |
$50,000 to $99,999.99 |
§ % |
§ % |
§ % |
§ % |
$100,000 to $249,999.99 |
§ % |
§ % |
§ % |
§ % |
$250,000 to $499,999.99 |
§ % |
§ % |
§ % |
§ % |
$500,000 to $999,999.99 |
§ % |
§ % |
§ % |
§ % |
$1,000,000 and over |
§ % |
§ % |
§ % |
§ % |
| Daily ledger balance | Less than $10,000 |
|---|---|
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $10,000 to $24,999.99 |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $25,000 to $49,999.99 |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $50,000 to $99,999.99 |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $100,000 to $249,999.99 |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $250,000 to $499,999.99 |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $500,000 to $999,999.99 |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
| Daily ledger balance | $1,000,000 and over |
| Standard Rate - not enrolled in Relationship Rates | § % |
| Base Relationship Rate | § % |
| Premium Relationship Rate | § % |
| Military-Pay Relationship Rate | § % |
Variable Annual Percentage Yield, or APY, shown are current as of §.
Rates are subject to change. Fees may reduce earnings.
The APY is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period (366 in a leap year).
Relationship Rates Program FAQ
No. Only USAA Performance First® Savings accounts are eligible to enroll.
Yes. The qualifying transactions in the linked checking account are used to determine qualification for better rates.
On the first business day of each month, we review the transactions that posted to your linked checking account in the prior month.
Your enrolled savings account qualifies for the Premium Rate if you use your linked checking account to make at least 5 qualifying transactions.
For full details, check terms and conditions.
When you enroll, you get a 60-day grace period. After we process the enrollment, your account will start earning interest at the Premium Rate within 2 business days. It earns that rate for the rest of the grace period unless you qualify for the Military Pay Rate before the grace period ends.
After the grace period ends, we'll review your linked USAA Classic Checking account on the first business day of the next month.
If you had 5 qualifying transactions in the prior month, you’ll keep the Premium Rate.
After our review, we’ll apply the new rate within 2 business days. If you qualify for the Military‑Pay Rate, you keep that rate for 6 months as long as your account stays enrolled.
For full details, check terms and conditions.