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There was once a way to get in if you didn't have any military affiliation but they closed that loophole a long time ago.
Hrm, I need to see if I can get my mother's Air Force record, saw there was a site I could try to do that on; maybe after getting back from SF next week.
I never had much use for NFCU but it's a good CU and it wouldn't hurt me to have another one of those TBH.