USAA 2025 Annual Report Reflects a Year of Strength, Service and Commitment to Members

USAA’s financial strength in 2025 enabled record return of $3.8 billion to members and hundreds of millions in financial relief

SAN ANTONIO--(BUSINESS WIRE)--USAA today released its 2025 Annual Report to Members, detailing a year of robust financial performance that enabled the return of a record-breaking $3.8 billion in financial rewards to members, nearly $450 million in government shutdown relief and a $500 million, five-year investment to champion the military community. The report also shows how USAA focused on putting members at the center of everything it does, including a commitment to save members money, enabled by employees who have embraced the call to serve.

“Our responsibility is simple – to deliver real value our members can see and feel every day,” said USAA President and CEO Juan C. Andrade. “Our members have done more for this country than most will ever be asked to give. Our role is to meet that with action – to strengthen our products, improve how we serve, and ensure every member feels confident in their financial future. That is how we earn trust and deliver on our Mission.”

Focused on Saving Members Money

In addition to its $3.8 billion return to members, USAA continued its focus on helping members save money – efforts that have carried into this year, including:

• Auto insurance rates that are stabilizing with notable rate reductions in states like Florida. Approximately half of USAA policyholders are expected to see an auto premium decrease in 2026, depending on state and individual circumstances.
• Bundling and discount programs, including USAA SafePilot^® and USAA SafePilot Miles^™, which lower premiums with an average of $200 in savings on a six-month policy or $400 for a year based on how much or how safely members drive.
• USAA’s Connected Home homeowners insurance discounts for using smart devices for water-leak detection, which detected more than 40,000 water leaks and electrical hazards last year, preventing or mitigating damage.
• Credit card APRs that are lower than average, saving members an estimated $500 million in interest.
• Deposit accounts with no monthly service fees or minimum balance requirements, along with access to its expanding network of more than 100,000 fee-free ATMs. These efforts saved members nearly $136 million in ATM fees in 2025 through surcharge rebates and their use of its fee-free ATM network.
• USAA’s Life Insurance company offers a complimentary estate plan for certain life insurance policies through its relationship with Trust & Will. All USAA members are also eligible for a 35% discount on estate planning through Trust & Will.

Standing Strong for Members and Military Community

The Association has supported members affected by government shutdowns and provided nearly $450 million in relief to more than 127,000 members through no-interest loans and payment relief in 2025. That support continues, and as of March 2026, USAA provided nearly $18 million in additional relief to more than 7,500 members, bringing the total shutdown relief to nearly $468 million and counting.

USAA also bolstered its commitment to member service and advice through the creation of a new Member Value Organization, led by veterans, to enhance the member experience by anticipating needs, removing friction and delivering exceptional service.

When the California wildfires erupted in January 2025, USAA helped those impacted rebuild their lives, paying nearly $1.7 billion in claims and providing initial payment to the majority on a timely basis, as well as guaranteeing renewals to our members impacted by the wildfires.

Through proactive outreach efforts, USAA had 24 million interactions with our members in 2025 to help them manage their insurance costs and save money.

USAA's commitment to supporting military families gained momentum through a $500 million, five-year investment in USAA’s Honor Through Action launched in 2025. USAA is supporting military family resiliency by fostering meaningful careers, financial security, and overall well-being.

For more information, visit usaa.com/annualreport.

About USAA

Founded in 1922 by a group of military officers, USAA is among the leading providers of insurance, banking and retirement solutions and serves 14 million members of the U.S. military, veterans who have honorably served and their families. Headquartered in San Antonio, USAA has offices in eight U.S. cities and three overseas locations and employs more than 38,000 people worldwide. Each year, the company contributes to national and local nonprofits in support of military families and communities where employees live and work. For more information about USAA, follow us on Facebook, Instagram or X (@USAA), or visit usaa.com.