Yes, I would agree that you are not eligible, unless your husband joined NFCU during his active Navy time; or unless he was discharged with retirment or other pension (paid) benefits.
NFCU doesn't open membership to prior service because their main focus and mission is to "ACTIVE" duty. If you you join while active, then you maintain benefits/membership after separation....but if not, then unless you become a civilian DoD employee you are not going to get in.
I don't think NFCU will EVER open to all prior service....they are all ready the largest CU in the world.
USAA did so, but they are trying to grow their insurance business, not just banking/lending.
IMO 
@Anonymous wrote:okay... I'm confused.... Hope this isn't a thread hijack, but....
Why do a lot of people like NFCU so much? Is it a great CU? Better than local ones?
My stepdad is retired airforce. Am I eligible? I looked at the website, but I was a little unclear.
Yes, it is a great CU.
If your father retired with "paid" or annuatized payments, then IF HE JOINS, then you become eligible. Eligibility of family is to MEMBERS, not because of service.
Membership is restricted to 1 of 2 scenarios: Either you are active or paid retired from military/DoD, or you are directly related to a Member of NFCU. If you family member is not a member, you are not eligible, regardless of what their military/DoD affiliations are....in order for you to join, they must first join (if they are eligible).
@Anonymous wrote:
@Anonymous wrote:okay... I'm confused.... Hope this isn't a thread hijack, but....
Why do a lot of people like NFCU so much? Is it a great CU? Better than local ones?
My stepdad is retired airforce. Am I eligible? I looked at the website, but I was a little unclear.
Yes, it is a great CU.
If your father retired with "paid" or annuatized payments, then IF HE JOINS, then you become eligible. Eligibility of family is to MEMBERS, not because of service.
Membership is restricted to 1 of 2 scenarios: Either you are active or paid retired from military/DoD, or you are directly related to a Member of NFCU. If you family member is not a member, you are not eligible, regardless of what their military/DoD affiliations are....in order for you to join, they must first join (if they are eligible).
Actually this is only partially true.
Copied from the eligibility wizard
Membership Wizard
Welcome to Navy Federal's Eligibility Wizard. Find out if you're eligible to join by simply answering a few questions.
You Selected Family Member
This includes those whose family members are currently a member of Navy Federal or eligible for membership.
Our definition of Family Member includes grandparent, parent, spouse, sibling, children (adopted, foster and step), grandchildren and household members.*
Does this describe you?
You can join if your family member is eligible for membership. They don't actually have to join.
