I tried to get into NFCU and even though I was in the AF for a short time in 81'-they wouldn't allow me membership. THAT is crazy.
BUSINESS 
I wish I could give you my full membership. I think they are subpar. I never use my CCs with them and they are HP for a small CLI. NO auto CLI's even if you've been with them for 5 years (like me). Their secured cards don't graduate and they don't have good rates on Cds or savings accounts. Their auto insurance is overpriced, although their renters insurance was priced pretty good. I don't know I think you can find a better bank or CU (NFCU!) for just about anything USAA does. Just my two cents, YMMV.
Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX
Starting Score: 582
@Credit-hoarder wrote:I tried to get into NFCU and even though I was in the AF for a short time in 81'-they wouldn't allow me membership. THAT is crazy.
WOW yeah, that is crazy!! Have you ever called to see why or what they could do for you?
@Anonymous wrote:
Remember nothing ventured nothing gained. Call USAA and explore with them what products would be available to you. As a USAA full member I am confused on what they are doing. FNBO closed their doors to potential customers outside their geographic service area. Wonder what is the deal. I cannot get Chase banking products since I am not in their service area. GADS!
Thank you, I really never thought to call them to see what I could get either now or down the line. I just figured what I saw online was the final hoorah.
Thank you, but wouldnt NFCU be the same thing in regards to military association?
@unc0mm0n1 wrote:I wish I could give you my full membership. I think they are subpar. I never use my CCs with them and they are HP for a small CLI. NO auto CLI's even if you've been with them for 5 years (like me). Their secured cards don't graduate and they don't have good rates on Cds or savings accounts. Their auto insurance is overpriced, although their renters insurance was priced pretty good. I don't know I think you can find a better bank or CU (NFCU!) for just about anything USAA does. Just my two cents, YMMV.
@ronstar7: I was in the AF for a few mos. and was medically/honorably discharged. The 3 different NFCU CSR's I talked to all said the same thing: That I'd would have to be currently drawing a medical pension to qualify for membership-which I am not.
Wow, NO banking products at all? Not even a checking account? What do they let you do? Insurance, maybe? I've definitely heard mixed opinions on their rates, think you have to apply to see if it's good for you. I haven't myself, OK with my current agency down the street.
I hadn't heard about limiting the membership to military people. I told my kids they could join, but they weren't interested "right now", and apparently have waited too long now And BTW, it's just as well you didn't try to lie about a military connection. They ask lots of detailed questions, and I got the impression they have access to DoD records to check you out.
Anyway, it's not such a great loss, IMO. SInce others have commented on USAA generally, here's my take, pretty mixed. I joined because I heard their mortgage rates were great, and it was true, got an excellent interest rate, and no escrow like I wanted. But they sold the servicing to GMAC, which went bankrupt, and now I have to deal with "Ocwen", rated in some surveys as the worst loan servicer in America. I did get a good CL (for me -- $20K) on a CC I opened a few years later. But I don't think much of the website. Pretty confused, info I want is strewn across a bunch of different pages far down in various trees. Want to schedule an online payment? That's far off from the account section. Download statements? Another different area of the site. Worst thing is the handling of online payments as they are executed. Website shows them as "completed" (and the receiving institution does credit them), but they still don't debit from the checking account for a day or two. That's not "complete" where I come from.
Starting Score: EQ 804 - (April 2009) 