EXHIBIT 31

CERTIFICATION
PURSUANT TO

Rule 15d-14(d)

I, Fritz D. Bohne, certify that:

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| | 1. | I have reviewed this report on Form 10-K and all
  reports on Form 10-D required to be filed in respect of the period covered by
  this report on Form 10-K of USAA Auto Owner Trust 2006-3 (the Exchange Act
  periodic reports);                                                                                                                                                                                                                                                                                                                                                  
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| | 2. | Based on my knowledge, the Exchange Act periodic
  reports, taken as a whole, do not contain any untrue statement of a material
  fact or omit to state a material fact necessary to make the statements made,
  in light of the circumstances under which such statements were made, not
  misleading with respect to the period covered by this report;                                                                                                                                                                                                                             
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| | 3. | Based on my knowledge, all of the distribution,
  servicing and other information required to be provided under Form 10-D for
  the period covered by this report is included in the Exchange Act periodic
  reports;                                                                                                                                                                                                                                                                                                                                                                 
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| | 4. | I am responsible for reviewing the activities
  performed by the servicer and based on my knowledge and the compliance review
  conducted in preparing the servicer compliance statement required in this
  report under Item 1123 of Regulation AB, and except as disclosed in the
  Exchange Act periodic reports, the servicer has fulfilled its obligations
  under the servicing agreement in all material respects; and                                                                                                                                                         
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| | 5. | All of the reports on assessment of compliance with
  servicing criteria for asset-backed securities and their related attestation
  reports on assessment of compliance with servicing criteria for asset-backed
  securities required to be included in this report in accordance with Item
  1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been
  included as an exhibit to this report, except as otherwise disclosed in this
  report. Any material instances of noncompliance described in such reports
  have been disclosed in this report on Form 10-K.

In giving the certifications above, I have reasonably
relied on information provided to me by the following unaffiliated parties: The
Bank of New York.

| |                                                   
| | --------------------------------------------------
| | /s/ FRITZ D. BOHNE                                
| |                                                   
| |                                                   
| | Name:  Fritz D. Bohne                             
| | Title:  Vice President, Senior Financial
  Officer

March 30, 2007

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