USAA is available to military and their families. You don't have to be active duty, once you're eligible, you're in for life.

If you do qualify, USAA is about the best company you'll ever deal with for insurance or banking.

Actually, USAA is open to anyone. You have to be military to access some of their loan products, but not for the basic stuff.

You can get some basic products from USAA, including some banking (no insurance though), but you can't be a full member unless you're military.