When i was reading about eligibility it said family members of persons who were in the army are eligible. My dad does not have an account with penfed, but he was in the army. When it asked how I qualify for membership, I said my dad was in the army, it asked for his name and telephone number.
So i entered my dads name and telephone number and apparantly it didnt do any kind of "check" like NFCU does. It appeared I would be approved for membership if i just entered John Doe! My dad of couse was in the army though.
It opened an account for me and i funded it with $5. (the minimum)
I havent applied for a CC yet because I have baddies and new accounts which i read they dont like.
I just thought it would be more difficult to join PENFED than it was..