Ever since I was a teen I can remember having a USAA account for car insurance. I never really cared all too much back then, (I wasn’t even paying the bills!) but NOW’s a whole different story. I am completely proud to use USAA today, and thankful beyond words to my parents for hooking me up.

Why do I heart them so much? Well, they have mad offerings from almost every account imaginable! AND they’re a credit union, so their rates are always up in the top.

Do you wanna guess how many accounts I have w/ them now? 12 15!

Here’s all that I have through them:

1. Auto Insurance
2. Personal Property Insurance
3. Life Insurance (me)
4. Life Insurance (Mrs. BudgetsAreSexy)
5. Home Owners Insurance *new!
6. Personal Checking account
7. Personal Savings account
8. House Checking account
9. House Savings account
10. Credit card #1 (for personal stuff)
11. Credit card #2 (for house stuff)
12. Roth IRA (me)
13. Roth IRA (Mrs. BudgetsAreSexy)
14. Home Equity Line of Credit (heloc)
15. Money Market account! Newest one as of Monday, to be used as my Emergency Fund.

At this rate, i might as well WORK for them :) The best thing about it all, is that I can log into my online account and see all accounts on one page! This may not sound like a big thing, but i gotta tell you it has helped me tackle my budget a lot easier.

Then we have my favorite aspect, their Customer Service. I’ve been, and worked, around the block a few times to know when the service is a plus, or a big fat disgrace. USAA’s service is A+, and they have plenty of awards to prove it. You rarely have to wait long to get a real live person on the phone (what a concept!), and once you do they are super friendly and actually ON YOUR SIDE. I can’t tell you the number of times i’ve called w/ questions or for general advice, and they’ve been nothing but professional and competent.

I recently rang them up to check on a pending transaction, and not only did they give me clear and concise answers, but they looked at my accounts and hooked me up w/ a little financial advice that i cold actually use! Remember how i’m trying to get my Emergency Fund back up and running? Well…I have been putting the $ into my savings account and was planning on hosting it there, but USAA recommended using a Money Market account for my Emergency Fund. They have a “Financial Advice” dept. which advised me of the easy online deposits, unlimited withdrawals (unlike savings), and currently the 3.35% yield (also unlike savings). How awesome is that?

They very well could have answered my original question and quickly got me off the phone like any other place…cough cough COMCAST..cough cough…DMV…haha… but they didn’t. Their service reps are knowledgeable and intuitive when “selling” their other services. But more importantly, they make my life easier.

USAA, will you marry me?