Folks, this is an old thread and much has changed since it was started.
Now anybody can be a member of NFCU.
Check out this thread, mostly the first post: http://ficoforums.myfico.com/t5/Personal-Finance/Navy-Federal-CU-The-REAL-way-in-for-those-that-dont...
Then check out this thread, mostly the latest posts: http://ficoforums.myfico.com/t5/Personal-Finance/NLUS-San-Diego-alive-and-well/td-p/4640823
If you have any questions, the folks on those threads are knowledgeable and willing to help!
Also, as it was mentioned above veterans are also now eligible for membership as well (without going through the Navy League).