Valued Contributor
Posts: 1,970
Registered: ‎09-16-2011

Is USAA worth the effort

[ Edited ]

My Dad served in the Navy during WWII, did his 24 months left with a honroable discharge, and did another 3 years with the Coast Guard and got a BCD  ( he decided that he was tired of it and just went AWOL he was like 22 at the time yes it was stupid  he served 30 days in the brigg) not sure if this disqualifies him  or not.  He is now 84, and never joined USAA, is it worth it for him to join. I would even put up the initial deposit for him. Then I would be qualified for a full membership.


Seems like a nice credit union not as nice as NFCU but is it  still worth it  because my dad would have to join as well. 






Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Senior Contributor
Posts: 4,512
Registered: ‎12-11-2011

Re: Is USAA worth the effort

[ Edited ]

First off, quick FYI: it's a bank not a CU, so you don't get a share account or anything like that, and when I joined I didn't get a HP (i'm not sure about full members, but I've never heard of them doing a HP), which is nice, since a credit union will do a HP almost always just for membership and a savings/checking account. 


In order for you to qualify for full membership (even if he was eligible with his AWOL and everything), he would have to purchase a P&C product, otherwise you don't qualify for full membership, only partial. And as to whether or not he is eligible, I would just call up and ask them, I assume he is, he was still honorabily discharged from the navy, I'm not sure if that AWOL puts a flag on his record or something though.


Best of Luck! :smileyvery-happy: 

Posts: 95
Registered: ‎06-18-2012

Re: Is USAA worth the effort

[ Edited ]

I bank with both and have credit with both. Both have excellent customer service and are open late....not your standard banker's hours......yes its very well worth the effort.

Wallet: NFCU CashRewards 35k-- USAA AMEX 28k-- USAA World MC 22k-- Discover IT 17.5k--Chase Freedom 23.5k-- NFCU NavCheck 15k
Frequent Contributor
Posts: 398
Registered: ‎08-02-2011

Re: Is USAA worth the effort

I'm guessing a bad conduct discharge would disqualify him - it renders one ineligible for veterans' benefits. USAA specifies "honorably separated" so I'm guessing no.

He might be able to pull the wool over their eyes by showing the DD214 from the Navy discharge, but...well..I'll let you be the judge if that is ethical.

Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008

Re: Is USAA worth the effort

[ Edited ]

I would say if his 214 has a dishonorable remark, it would disqualify him. You might want to join as a partial member.


But I would talk to a supervisor and explain the situation. Be honest and see if they can get in you in as a full member.

Regular Contributor
Posts: 135
Registered: ‎01-04-2012

Re: Is USAA worth the effort

First of all, I'd like to say, I did the same thing as your father in the early 8o's( I have an honorable from the Army) and I am a member of USAA ,still have a vet mortgage, and use the VA health ceters all the time.  A BCD isn't the same as a DD.  It only keeps you from re-enlisting.  Hope this helps.

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.