It does not matter what your credit score is. USAA will still charge you a higher interest rate than you warrant. All 3 credit agencies rate me as Excellent with a credit score above 820. USAA advertised a 2% rate for Excellent Customers. What I got was a rating of Good and a 4.4% rate. When I called to inquire what had happened USAA was kind enough to explain that they use a process that involves looking at your credit score and then they add a pinch of Voodoo, read some tea leaves, and then finish with a dash of ripping you off by giving you a higher rate for no reason. I applied for the same loan through Navy Federal and received a 1.7% rate for the same amount and same time frame.
You work hard for what you have and do the right thing. It's a shame to say you can't trust USAA to do the same for you.