If you have any connection with the US Military by marriage, birth, adoption ect, then you need to see if you are eligible to join. I have been a member since I was an ROTC cadet in college - over 25 years ago. They insure everything I own. Their banking services were used to purchase 2 vehicles and refinance my homes. I also have my checking account with them, a master card and used their buying service to purchase some nice jewelry for my wife. While my "local" bank treats me like I am street trash, USAA goes above and beyond. I am in the process of cutting all my ties with the local banking community and use USAA exclusively. They are Local no matter where you are!