Refunds up to $15 per month in out-of-network ATM fees Check mark icon A check mark.
Link to another USAA account for free overdraft protection Check mark icon A check mark.
Read our review Read Our Review A looong arrow, pointing rightUSAA vs. Navy Federal CD comparisonsWinner: Tie Both Navy Federal and USAA pay a much higher interest rate than the national average CD rate.
Winner: Navy Federal Navy Federal is a default winner for this category because USAA doesn't have a money market account.
At Navy Federal, you'll need to open the Navy Federal Credit Union Share Savings Account to become a member.