UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-D

Asset-Backed Issuer Distribution Report Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

For the monthly distribution period from November 1, 2009 to November 30, 2009

Commission File Number of issuing entity: 333-131356-09

USAA Auto Owner Trust 2009-1
(Exact name of issuing entity as specified in its charter)

Commission File Number of depositor: 333-131356

USAA Acceptance, LLC
(Exact name of depositor as specified in its charter)

USAA Federal Savings Bank
(Exact name of sponsor as specified in its charter)


Delaware		38-6872540

(State or other jurisdiction of incorporation or organization of the depositor)		(I.R.S. Employer Identification No.)

One Rodney Square
920 King Street, 1^stFloor
Wilmington, Delaware		19801

(Address of principal executive offices of the depositor)		(Zip Code)

(302) 888-7536

(Telephone number, including area code)


Title of Class	Section 12(b)	Registered/reporting pursuant to (check one) Section 12(g)	Section 15(d)	Name of exchange (If Section 12(b))
A-1	[____]	[____]	[_X_]	____________
A-2	[____]	[____]	[_X_]	____________
A-3	[____]	[____]	[_X_]	____________
A-4	[____]	[____]	[_X_]	____________
B	[____]	[____]	[_X_]	____________

Indicate by check mark if the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.

Yes ______ No ___X__

Part I – Distribution Information


Item 1.	Distribution and Pool Performance Information.

The description of the distribution and pool performance for the distribution period from November 1, 2009 to November 30, 2009 is provided on the monthly statement attached as Exhibit 99.1 to this Form 10-D.

Distributions are made by the Trustee (on behalf of the issuing entity) to Noteholders pursuant to the Indenture, dated as of April 22, 2009, between USAA Auto Owner Trust 2009-1, as issuer (the “Trust”) and The Bank of New York Mellon, as indenture trustee (the “Indenture Trustee”) and the Sale and Servicing Agreement, dated as of April 22, 2009, between the Trust, USAA Acceptance, LLC, as depositor, USAA Federal Savings Bank, as seller and servicer and the Trust. Capitalized terms used but not defined in this report on Form 10-D (including the Monthly Statement to Noteholders attached hereto as Exhibit 99.1) are used as defined in the Indenture and the Sale and Servicing Agreement filed on Form 8-K with the Securities and Exchange Commission.

See the Indenture, the Sale and Servicing Agreement and the Prospectus Supplement dated April 10, 2009 filed with the Commission on April 17, 2009 pursuant to Rule 424(b)(5) of the Securities Act for a description of transaction parties, calculation formulas, allocations and purposes of the distribution and pool performance information in Exhibit 99.1.

Part II – Other Information


Item 3.	Sales of Securities and Use of Proceeds.

On April 22, 2009, the Trust transferred in a private placement in reliance on Section 4(2) of the Securities Act, a trust certificate evidencing a 100% beneficial interest in the Trust to the Depositor as partial consideration for the transfers of the receivables to the trust on that day.


Item 9.	Exhibits.


Exhibit No.		Description

99.1		Monthly Statement furnished to Noteholders

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Servicer has duly caused this report to be signed on behalf of the Issuing Entity by the undersigned hereunto duly authorized.


	USAA FEDERAL SAVINGS BANK


	By:	/s/ MICHAEL J. BROKER

		Name: Michael J. Broker
		Title: Vice President
Dated: December 28, 2009

Exhibit Index


Exhibit

99.1		Monthly Statement to Noteholders

USAA Auto Owner Trust 2009-1 10-D