topic Re: NFCU? in Credit Cards

NFCU?

SteveUrkel — Sun, 21 Apr 2013 16:59:39 GMT

Am i out of luck if i dont have any family thats from the military to join NFCU?

Re: NFCU?

dodfire — Sun, 21 Apr 2013 17:01:14 GMT

@CarlosC88 wrote:
Am i out of luck if i dont have any family thats from the military to join NFCU?

Navy Federal's field of membership is determined by the National Credit Union Administration.
If you fall under any of these categories, you're eligible to join:

All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and
Air Force retirees and annuitants

All United States Coast Guard personnel—including active duty, reservists, civilian employees, retirees and annuitants

All Department of Defense Reservists—Army, Marine Corps, Navy and Air Force retirees
and annuitants

All Army and Air National Guard Personnel—civilian employees, retirees and annuitants

All Delayed Entry Program (DEP) Personnel

All DoD Officer Candidate programs—Midshipmen and cadets at the United States Naval Academy,
United States Military Academy, United States Air Force Academy, United States Coast Guard Academy
and the United States Merchant Marine Academy; Other Officer Programs*

U.S. Government employees assigned to DoD installations (including Coast Guard)

All DoD civilian employees—including retirees and annuitants

DoD contractors assigned to U.S. Government installations

Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

Once your family members have joined, their family members are also eligible for membership.

Re: NFCU?

SteveUrkel — Sun, 21 Apr 2013 17:07:25 GMT

so no another way i guess

Re: NFCU?

dodfire — Sun, 21 Apr 2013 17:09:11 GMT

Sorry they are very strict on the rules to join....

Re: NFCU?

NonSufficientFunds — Sun, 21 Apr 2013 17:24:40 GMT

The confusing part is, that they open their doors to civilians, grandparents, and "household members", etc.

Yet they they slam the door shut to military veterans (unless retired).

So much for giving thanks to those who served, but were disabled before they could retire.

Re: NFCU?

Anonymous — Sun, 21 Apr 2013 20:46:05 GMT

@NonSufficientFunds wrote:
The confusing part is, that they open their doors to civilians, grandparents, and "household members", etc.

Yet they they slam the door shut to military veterans (unless retired).

So much for giving thanks to those who served, but were disabled before they could retire.

I agree completely.

I joined through my brother who is still active, but yet my husband had to join through me after him serving for years.

I think if you ever served a day, you should be able to join, more than a roommate, or even me who is direct family.

My brother has served 15 years so far Special Forces. I thank him and everyone who has served!

Re: NFCU?

09Lexie — Sun, 21 Apr 2013 20:49:16 GMT

@ftn

I couldn't agree with you more! I was eligible because both my father and grandfather were retired military. My DH who served active duty in AF had to join through me. I understand they have their bylaws but it appears they have plenty of assets to open it for veterans and those who are disabled.

Re: NFCU?

Anonymous — Sun, 21 Apr 2013 22:14:59 GMT

If you are currently receiving an medical annuity from the Armed Forces you would be eligible.

Re: NFCU?

NonSufficientFunds — Sun, 21 Apr 2013 22:26:06 GMT

@Anonymous wrote:
If you are currently receiving an medical annuity from the Armed Forces you would be eligible.

Yeah, but if you are an honorably discharged veteran, having served eighteen years (not collecting annuities), you are out of luck.

They would rather extend credit to a guy whose civilian room-mate works at a filling station on the Army base.

Re: NFCU?

improvingmycredit — Mon, 22 Apr 2013 00:16:35 GMT

Hello All!
I understand resentment regarding individuals that have served but did not retire not being able to join NFCU. The this is a misconception to believe that they DON'T want to offer their services to these individuals. NFCU has to follow bylaws that are held to both federal and state legal requirements. I am absolutely positive that if they could, they would offer membership. So - plz remember- CUs like other financial institutions want to build relationships with as many eligible individuals under the Law. If they could find a way around this, they would. No solace in this information but it's factual. They want to offer membership- they can't. It's not a matter of want.

Re: NFCU?

09Lexie — Mon, 22 Apr 2013 01:26:57 GMT

@ improvingmycredit

I agree with your comments and like I said I understand they have to follow their bylaws. But bylaws are meant to be amended as they did recently to add another military branch.

I have no problems with being selective- it was the example of a roommate being eligible over a veteran.

Re: NFCU?

improvingmycredit — Mon, 22 Apr 2013 01:37:23 GMT

Hey 09Lexie!
Oh- I agree that it's shameful that there isn't some way around this. I think it has something to do with being part of an identifiable group. Not sure. Been trying to research exactly why there isn't some form of access. I come from a generational military family. Past and present with someone from my family in almost every conflict/war. Having some family members that have not retired from service- their only avenue to membership if they desired would be through another family member. Seems strange but there is some obstacle legally.

Re: NFCU?

Anonymous — Mon, 22 Apr 2013 01:43:21 GMT

@CarlosC88 wrote:
so no another way i guess

You could join the Marines?

lol

Re: NFCU?

webhopper — Mon, 22 Apr 2013 01:49:10 GMT

@Anonymous wrote:
@CarlosC88 wrote:
so no another way i guess
You could join the Marines?
lol

That is what my husband did. He joined NFCU because his debit card broke in half, and he needed to be able to access cash. NFCU was the only credit union on base.

Re: NFCU?

Sitori — Mon, 29 Apr 2013 15:33:29 GMT

Would I be able to join if my stepfather is in the AirForce? He's not in active duty. He's a cheif environmental engineer or something like that.

Re: NFCU?

unc0mm0n1 — Mon, 29 Apr 2013 15:37:35 GMT

@CarlosC88 wrote:
Am i out of luck if i dont have any family thats from the military to join NFCU?

No you're not out of luck. All you have to do is join the military and you're in

Re: NFCU?

NonSufficientFunds — Mon, 29 Apr 2013 15:38:58 GMT

@Sitori wrote:
Would I be able to join if my stepfather is in the AirForce? He's not in active duty. He's a cheif environmental engineer or something like that.

Go to the NFCU website - there is an "Eligibility Wizard" near the bottom of the page. Click on it & answer each question to find out.

https://www.navyfederal.org/about/eligibility-checklist.php#

Re: NFCU?

Sitori — Mon, 29 Apr 2013 15:40:30 GMT

I did that. It's not very specific. It just asks if you have a family member in "any of the listed" I'm not sure if stepfather is considered family member. I guess I will call and ask.

Re: NFCU?

unc0mm0n1 — Mon, 29 Apr 2013 15:46:13 GMT

@dodfire wrote:
@CarlosC88 wrote:
Am i out of luck if i dont have any family thats from the military to join NFCU?
Navy Federal's field of membership is determined by the National Credit Union Administration.
If you fall under any of these categories, you're eligible to join:
All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and
Air Force retirees and annuitants
All United States Coast Guard personnel—including active duty, reservists, civilian employees, retirees and annuitants
All Department of Defense Reservists—Army, Marine Corps, Navy and Air Force retirees
and annuitants
All Army and Air National Guard Personnel—civilian employees, retirees and annuitants
All Delayed Entry Program (DEP) Personnel
All DoD Officer Candidate programs—Midshipmen and cadets at the United States Naval Academy,
United States Military Academy, United States Air Force Academy, United States Coast Guard Academy
and the United States Merchant Marine Academy; Other Officer Programs*
U.S. Government employees assigned to DoD installations (including Coast Guard)
All DoD civilian employees—including retirees and annuitants
DoD contractors assigned to U.S. Government installations
Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members
Once your family members have joined, their family members are also eligible for membership.

Re: NFCU?

Rhaeny — Mon, 29 Apr 2013 17:10:41 GMT

@NonSufficientFunds wrote:
The confusing part is, that they open their doors to civilians, grandparents, and "household members", etc.

Yet they they slam the door shut to military veterans (unless retired).

So much for giving thanks to those who served, but were disabled before they could retire.

Question, can you still go on the base to the commissary? I know that is how my eligibility was determined. They said if the retired member still has access to a military commissary then you are eligible for membership.