USAA has changed quite dramatically since the 90s when I first joined. It seems they are more interested in a cash grab now compared to being much more service oriented. Interestingly, Navy Federal has continued to take very good care of me. I still do have some banking (send military retirement and disability there) and home/car insurance. I bought a home a couple years ago and they said they didn’t serve my area and pushed me to another insurance company. And as pointed out, I get boat and motorcycle insurance elsewhere because they don’t offer it. It seems like they just want to be a broker now.
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