Hoping I can join NFCU...Question about eligibility?

[webhopper]

Membership Wizard

Find out if you're eligible to join by simply answering a few questions.

Are you currently serving as an active duty or reservist personnel
for the DoD or National Guard?

• Yes
• No

Are you a Military Officer Candidate?

• Yes
• No

Are you a Military Recruit and/or part of the Delayed Entry Program (DEP)?

• Yes
• No

Are you a Department of Defense Civilian?

• Yes
• No

Are you a retiree receiving an annuity from the DoD
or National Guard? 

• Yes
• No

Are you a U.S. government Civilian (including Coast Guard)
assigned to a DoD installation?

• Yes
• No

Are you a DoD contractor assigned to a U.S. government
installation or facility?

• Yes
• No

Are you a Family Member of one of the above?

• Yes
• No

Congratulations! You are eligible for membership with Navy Federal

[ceejx]

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@webhopper wrote:

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@seigex wrote:

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@vegasgurl2001 wrote:

Hi Everyone!  This is my first post to the forum, but I have been reading and taking advice from this forum for close to a year now...I LOVE IT!  So much helpful info!

My grandfather served in the navy during WWII and also the Korean war, so that would make me eligible to join....however, he passed away less than a year ago, so am I not able to join now?  Any help or suggestions would be greatly appreciated! 

If not able to join NFCU, what about USAA?  Any suggestions....THANK YOU ALL IN ADVANCE for any comments!  Since my identity was stolen at age 18,  I have had nothing but issues since, but finally things are looking up....10 years later I am finally on track to having good credit and would like to take advantage of all opportunities I can...

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Your Grandma should be eligable too, especially if she's still receiving his retirement. If you call up NFCU they are very helpful and should be able to find you a way. Good luck!

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We don't know if he was retired yet or not...  My grandfather served in the navy during WW2 and Korean War... he wasn't retired military though.

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Sorry just skimmed through the OP real quick.. if he received any kind of funding (annuity) for disability that works too.. my dad gets $100/mo for high blood pressure and that was enough to get me in.

UPDATE: post moot since she confirmed retirement

[webhopper]

My recommendation would be to call them when you are ready to apply for membership...  They will take your info over the phone, and then you can fax or email in your documents, etc.   make sure you get your rep's name so that you can fax them or email them to that reps attention.

[webhopper]

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@seigex wrote:

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@webhopper wrote:

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@seigex wrote:

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@vegasgurl2001 wrote:

Hi Everyone!  This is my first post to the forum, but I have been reading and taking advice from this forum for close to a year now...I LOVE IT!  So much helpful info!

My grandfather served in the navy during WWII and also the Korean war, so that would make me eligible to join....however, he passed away less than a year ago, so am I not able to join now?  Any help or suggestions would be greatly appreciated! 

If not able to join NFCU, what about USAA?  Any suggestions....THANK YOU ALL IN ADVANCE for any comments!  Since my identity was stolen at age 18,  I have had nothing but issues since, but finally things are looking up....10 years later I am finally on track to having good credit and would like to take advantage of all opportunities I can...

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Your Grandma should be eligable too, especially if she's still receiving his retirement. If you call up NFCU they are very helpful and should be able to find you a way. Good luck!

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We don't know if he was retired yet or not...  My grandfather served in the navy during WW2 and Korean War... he wasn't retired military though.

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Sorry just skimmed through the OP real quick.. if he received any kind of funding (annuity) for disability that works too.. my dad gets $100/mo for high blood pressure and that was enough to get me in.

UPDATE: post moot since she confirmed retirement

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Oh wow, I did'nt know VA Disability was an annuity...  My grandfather received VA disability and VA Medical care due to his service in the US Army during WW2.  I guess I would have been eligible even if I hadn't married a marine

[PokemonMaster]

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@webhopper wrote:

If your grandfather was retired navy, then you would be eligible. there's a difference between being retired navy, and being a navy veteran.

Also, you would be eligible to be a full member of USAA, which is another very good CU aimed at the military.

If you have any immediate family members who are active duty or retired military, or DOD contractor, then you are eligible, if they join first.  Also, you can have a roomate who is active duty military and be able to join NFCU through them.

NFCU is awesome and I hope you can gain membership.  I gained membership through my husband, who joined when he was active duty US Marine at Camp Pendleton.  

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You're correct on the eligibility with NFCU but incorrect with USAA. To be a member of USAA OP's grandfather would have had to have insurance through USAA which he would have had to have his children (OP's parent) on at some point. OP's father/mother (whoever was the child of the grandfather) would then have to also have insurance through USAA which OP would have to be on to be a full member. If his grandfather did not have insurance with USAA than OP cannot be a full member. Also the reason you can bank with USAA and not be a full member is because they're a bank not a CU. Unless something has changed USAA passes down eligibilty through their insurance product.

Edit: OP definitely get membership with NFCU if you can! You won't regret it.

[webhopper]

My husband got insurance quotes from USAA on our vehicles... but they haven't been able to beat state farm...  I get a lot of discounts with SF.

On a side note,  parents, if you are members, do your kids a favor and sign your kids up for NFCU membership.  I did this with my 11 yr old, opened her a shareSavings.  It costs $5

[MarineVietVet]

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@seigex wrote:

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Sorry just skimmed through the OP real quick.. if he received any kind of funding (annuity) for disability that works too.. my dad gets $100/mo for high blood pressure and that was enough to get me in.

UPDATE: post moot since she confirmed retirement

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Did he happen to also be a retiree? I ask because one of the eligibility questions asked is: Are you a retiree receiving an annuity from the DoD or National Guard?

This leads me to believe it's not enough to draw disability but that you must also be a retiree. But I could be wrong.

I guess I need to contact them. I'm rated by the VA as 100% disabled and have always thought I wasn't eligible for membership because I meet none of the listed criteria.

[webhopper]

Totally worth a call. I was looking through the enrollment forms for the post 911 gi bill and noted one of the chapters describing va disability benefits said something about annuity benefit and being eligible for voc assistance and career services if you receive va annuity payments for disability, but I never connected the dots. I always thought of annuities as retirement fund payments

[MarineVietVet]

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@webhopper wrote:
Totally worth a call. I was looking through the enrollment forms for the post 911 gi bill and noted one of the chapters describing va disability benefits said something about annuity benefit and being eligible for voc assistance and career services if you receive va annuity payments for disability, but I never connected the dots. I always thought of annuities as retirement fund payments

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I guess what confuses me is the definition(s) of annuity:

The annual payment of an allowance or income.

The right to receive this payment or the obligation to make this payment.

A contract or agreement by which one receives fixed payments on an investment for a lifetime or for a specified number of years.

This doesn't seem to be the same as a monthly disablity payment but NFCU might not make that distinction.

[webhopper]

Well I guess since they've determined that your 100% disabled, then you have a “right to receive this payment”

Its very odd!