Navy is easier than that. My father-in-law is a retired army Ltc, but when I applied, it's not like I verified anything. They didn't contact him or anything.PenFed yes... ANYONE can join. Navy Federal you need a family member and USAA you need an even more immediate family member. My wife's brothers were Navy veterans so we qualified for PenFed and Navy Federal but not USAA.
Even still, go to your dealer with the quotes and see what they can do. Mine told me no way and then was able to match.
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