From the NFCU website:
 
Navy Federal's field of membership is determined by the National Credit Union Administration. If you are in any of these categories, you are eligible to join:
- All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and Air Force, 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 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;
 - 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, they can extend the membership opportunity to their family members, too.
 
 
 
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work