USAA or Navfed ?

[mjccredit]

I am wondering if anyone can tell me if II can join either or both of these. My father was in the army for 3 years and had an honorable discharge. He did not join either of these groups before he passed away in 1988. Am I eligible for either of these as the daughter of a Veteran even if he never joined ? If so, does anyone have any advice on which one is better long term ? I want to have a long term relationship not just for generous Limits its but low interest rates for cars and mortgages for the long term.

Any input is appreciated.

[sdwalt]

Hi I use both NFCU and USAA, if you qualify for NFCU that is a better choice for the most part (higher credit limits). USAA is a great bank and I think most people qualify for the banking part, but USAA is MUCH more conservative with credit. Call them up and see if you qualify.

Walt.

[baller4life]

You may qualify for USAA. Give them a call. Not sure about your dad being deceased and not a member. NFCU is for active or retired military and their families.

[efranklin23]

---

@mjccredit wrote:

I am wondering if anyone can tell me if II can join either or both of these. My father was in the army for 3 years and had an honorable discharge. He did not join either of these groups before he passed away in 1988. Am I eligible for either of these as the daughter of a Veteran even if he never joined ? If so, does anyone have any advice on which one is better long term ? I want to have a long term relationship not just for generous Limits its but low interest rates for cars and mortgages for the long term.

Any input is appreciated.

---

For Navy Federal, your dad has to establish an NFCU account for you to join as you'll need his sponsor number. Although you may be the daughhter of a military vet, in this case, you won't qualify. At the moment USAA is not taking any membership unless you sign through an military affiliate or current banking member. Occasionally USAA opens up to all people (did so last year) so I would call them and ask them if they're doing it and you may be able to get part time membership. 

[unc0mm0n1]

In my opinion, if you qualify for both, it's NFCU and it's not close. 

[Leadberry]

---

@mjccredit wrote:

I am wondering if anyone can tell me if II can join either or both of these. My father was in the army for 3 years and had an honorable discharge. He did not join either of these groups before he passed away in 1988. Am I eligible for either of these as the daughter of a Veteran even if he never joined ? If so, does anyone have any advice on which one is better long term ? I want to have a long term relationship not just for generous Limits its but low interest rates for cars and mortgages for the long term.

Any input is appreciated.

---

If your father was only in for three years, you won't qualify for NFCU.  He would've had to have been retired.  For most people, that means twenty years of active duty service.

[mjccredit]

Thanks for the responses - I kind of thought that might be the case. He was active for 3 year and in reserve another several but he did not retire from the service. I guess I will have to wait and see if USAA starts allowing non military folks again.