The main benefit to USAA is when it comes to deployments, living overseas and PCSing and the associated challenges they get it. Everytime an issue come up related to one of these things, dealing with USAA was a breeze compared to a nightmare with almost any other company I had to deal with. In case anyone isn't aware, when you are deployed they will reduce your car insurance to virtually nothing (assuming it sits parked the majority of the time) and the same goes for the interest rate on thier credit card.