USAA was great when they limited membership to officers and NCOs. Still very good when it was restricted to military and immediate family.
Now? If someone in your family fought in the Civil War, USAA would find a way to make you a member. After 40+ year I still use them as a bank and have my car insurance with them, but most of my money is in other banks or investments. They haven’t been anything special for a long time.
I opened my bank accounts with them when the bank was in a double-wide trailer on the construction site. You can still walk into the lobby, but the feeling that they like working there and care about the member is missing.