I have been a member of NFCU for a few months now. I was shocked that all I had to do was call in ask if I was eligiable. They asked me about family military service told them both parents, uncle and grandfather all served that was it, I was in. Opened checking and savings and have never been asked for proof yet.... I get cc offers in the mail almost daily from them. They seem much easier to get into than USAA was. I have even sponsered my son and roommate to get their own accounts and no military proof has been asked of still. I can provide if needed because I have both my mother and father's military papers but so far nothing.
It strikes me as funny how some have to jump through hoops with all this paper work and others nothing. They must have some sort of internal way of verifying things there or something. None of my realatives were NFCU members. I got membership through my father for USAA because he is a member and I passed that to my son. For USAA my room mate is not eligiable. I wonder why one allows room mates and the other doesn't.
I wasn't even asked the dates or names. I just gave them my name SS# and they hard pulled opened the accounts. I waited and waited for them to send me something asking for verification of anything but they haven't so far. Only thing I can think of is they see my USAA membership and that tells them I have military proof because they would not allow me to join if I did not have a relative who could join. I wonder if that is true for others. Those that have bank accounts or charge cards with other military banks that require proof of service and NFCU sees that, then they have their proof. If they don't see that maybe that is when they ask for all the proof???