Joined NFCU a few days after discharge, 12/3/2016. I applied for cash rewards back in the summer after reading here they were BK friendly. Turns out they were not. I was denied due to BK.
Read here they have implemented 12 months post discharge to be considered for approval. I applied 12/14/2017. By my math this is 12 months and a few days post discharge. To NFCU, this is 11 FULL months. It seems they don't count the month you were discharged. Wasted a HP. I was told I could apply anytime after January 1, that THAT would be 12 FULL months post discharge.