USAA has changed drastically over the 16 years I have been a member. used to get great insurance prices and interest rates on accounts. recently bought a house and used national bank of kansas city. guy named Bernie was just about the best guy you can work with and the rates were far better than anything I found. I used them from a recommendation from someone on this board actually because they are used to working with pilots and our "non-standard" salary. I also just bailed on USAA for homeowners insurance on the same house. they quoted $1600 and for the exact same coverage at progressive I am paying $1050. the previous poster was spot on that they are just another bank now... it was leaps and bounds better when it was just military officers allowed to join. that was and true benefit...