Me too. Been a member since 1990. That may change. They were a good option for military officers years ago but they like everything else watered down their client base standards and now pretty much let anyone with a tangential affiliation with the military.
In USAA’s defense, they had no choice but to “water down their client base standards” for a lot of their financial services. They were originally set up as a limited-membership insurance company decades ago, but they couldn’t restrict the customer base for banking services — and maybe investment services, too. I’m pretty sure the law does not allow you to operate an FDIC-insured bank and restrict it to members of your organization.
I’ve been on USAA insurance for more than 4 decades, on my own account about 35 years.