<prompt> Human: This might be a more obvious question but Im still curious. I know the basic differences between them such as: One is a bank and the other is a credit union USAA sells insurance NFCU loan rates are typically very low NFCU has lots of physical branches and ATMs while I think USAA is only online Not sure about this oneBut usually when I ask people who can go with one or the other they use USAA to bank with. Is there any reason for this is or is just preference?  <response>: Been with USAA for over 20 years, best customer service in the industry. If I was you I would join both and use both for their strengths. Hard to beat USAA insurance rates. 