A secret NFCU benefit is that every year, on your anniversary date with them, the Village People will come to your home or office and sing "In the Navy" to you. That alone makes joining them well worth it.
Heck NO! Stay away...
If they're formulating their decisions based on the "curve" I don't need you in there mucking up the ratio for average peeps like me!
Obviously, I'm only teasin' but you answered your own question.
You don't need it and it would only be another account to manage at this point.
If you need to diversify or if things change in the future, it will still be there..