I would agree with this post if there were other ways to join the military. Let me explain. I actually tried to join the Army right out of college. However, I have a chronic ear condition that makes me physically unable to serve. There is no way for me to join. Additionally, I have tried to secure civilian positions in US government that would had made me eligible to get into NFCU but those positions are next to impossible to get unless you have selective service preference or know someone.
There are countless programs only offered to ex-military that I never had the option to get regardless of my desire to serve. As a result, I ended up getting a roommate to take advantage of one of those programs, NFCU. My roommate is getting an excellent place to stay at a much lower than normal rent and is getting helped back on his feet financially. I see no problem in this.
I find it odd that their admission criteria are far more strict than underwriting.
As a service-connected disabled veteran, with clean credit, I'm ineligible for membership. It occasionally grinds my gears when someone prances in the back door with a huge CL. That being said; those people are becoming members within the bank's guidelines, I don't actually have a right to be annoyed.
USAA has been great to me. I just feel they care a whole lot more about Vets.
@Anonymous wrote:
@drkaje wrote:I find it odd that their admission criteria are far more strict than underwriting.
As a service-connected disabled veteran, with clean credit, I'm ineligible for membership. It occasionally grinds my gears when someone prances in the back door with a huge CL. That being said; those people are becoming members within the bank's guidelines, I don't actually have a right to be annoyed.
USAA has been great to me. I just feel they care a whole lot more about Vets.
This is one thing that does bother me about NFCU. If you served at all I think you should be eligible. My son and I have had a few talks about this and he has talked to all of his buddies to make sure that they join before they are discharged. This way they have their membership even if they don't do anything with it right now. I wish NFCU would change this so anyone who was honorably discharged would be eligible to join.
My son says that NFCU doesn't seem to be on the radar for many soldiers - USAA seems to be the choice for many and they don't realize they can join both.
USAA tends to do a better job of staying on the radar. The customer service is also excellent. 
I'm not throwing stones at anyone but it's pretty odd that NFCU doesn't even consider disabled vets eligible.
They have generous credit lines and great products! Anyone with a path to eligibility would be foolish to spend more money elsewhere.
I did not know people actually try to squeeze themselves into a bank; let alone NFCU security monitoring the forums.
I had no clue vets could not join. I regret closing the account when my time was up and switching to Chase and USAA. Oh well.
Im a grunt and a purple heart recipent. I have no problem with people getting through the back door. The one thing that I dislike about NFCU is there policy of not letting Vets in. Oh by the way the reason people in the Army dont sighn up for NFCU is there is no active advertising on bases for this credit union plus a young private sees navy and automatically walks the other direction. Old Sarge here always tells there soldiers to become a member of NFCU.
NFCU FAN CLUB FAN#1
@BearOSO wrote:I did not know people actually try to squeeze themselves into a bank; let alone NFCU security monitoring the forums.
I had no clue vets could not join. I regret closing the account when my time was up and switching to Chase and USAA. Oh well.
You may still be eligible due to having had an account in the past.