USAA

Overview

USAA is part of unique group of financial institutions with a mission to help US military members and their families with more favorable financial products, including banking accounts, credit cards, investment advice and loans to its members.

Founded in 1922 as United Services Automobile Association, when 25 US Army officers organized to provide car insurance to service members who were considered a poor risk, USAA is neither a bank nor a credit union. Instead, USAA is a financial services group owned by its 11.9 million members. USAA offers a wide range of financial services products, from banking and insurance to mutual funds, retirement planning and college savings.

Loan Features

Auto Loans
Finance your next new or used car with competitive APRs, depending on your credit. You can even refinance your current vehicle with terms of up to 84 months.

Mortgages

What Kind of Home Loan Is Right for Me?

VA Loan
A VA loan may be right for those currently serving, veterans and eligible surviving spouses.
30-YEAR
4.375%
4.664% APR

Conventional loan
A conventional loan may be right for those using a down payment of at least 5% to buy or refinance a home.
30-YEAR
4.375%
4.586% APR

Conventional 97 loan
A conventional 97 loan offers a low down payment and is a great alternative to an FHA loan.
30-YEAR
5.000%
5.222% APR

Jumbo Loan
A jumbo loan is for those looking to finance a loan amount more than $453,100.
0-YEAR VA JUMBO
4.125%
4.398% APR

Other Loan Options
We offer other loans to help those buying or refinancing a vacation home or investment property.
30-YEAR VACATION HOME
4.375%
4.586% APR

Adjustable-Rate Mortgage (ARM) Loan
An ARM offers a lower initial rate for service members who may plan to move in the next five years.
30-YEAR VA 5/1 ARM
4.000%
4.238% APR

Motorcycle, RV, boat and leisure vehicle loans
Finance your next getaway vehicle with terms of up to 180 months.

Personal Loan
A personal loan can help you with things like debt consolidation, home improvements, special events, cash management and unplanned expenses.

Credit Cards
Find the card that’s right for you. From great rewards to low interest rates, we’ve got you covered.

Application Process

USAA MEMBERSHIP
For those who serve and for their eligible family members. Today our membership is open to: active military, former military, eligible family members, and cadets or midshipmen.

To apply for a loan with USAA, you must:
Be at least 18 years old.
A US citizen or permanent resident.
A USAA member — a member of the military or a military family.
In good credit standing.

Repayment Terms

Auto Loans
New Car
Terms up to 72 months
APRs as low as 3.29% APR (USAA Bank standard rate) or 2.79% APR with USAA Car Buying Service Discount

Used Car
Terms up to 72 months
APRs as low as 3.79% APR (USAA Bank standard rate) or 3.29% APR with USAA Car Buying Service Discount

Refinance
Terms up to 72 months
APRs as low as 3.29% APR (USAA Bank standard rate for 2017 or newer model year car) or 3.79% APR (USAA Bank standard rate for 2016 or older model year car)

Home Loans
30-YEAR VA LOAN
4.375% interest rate
4.664% APR

CONVENTIONAL LOAN
4.375% interest rate
4.586% APR

15-YEAR VA LOAN
3.750% interest rate
4.246% APR

Personal Loans
Loan Terms 1-7 years
APR 8.99%

RV Loan
Get rates as low as 5.25% APR for 180 months on new and refinanced loans.

Motorcycle Loan
Our rates for new and refinanced loans are as low as 5.99% APR for up to 72 months.

Boat Loan
Our rates for new and refinanced loans are as low as 5.25% APR for 180 months.

Liesure Vehicle Loan
Our rates are as low as 5.99% APR for up to 72 months.

Customer Support

+1 800-531-8722

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