Yes, under certain conditions civilians are allowed to join NFCU. The most common way for a civilian to join is to work as a contract for DOD.
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Navy Federal has a great website the describes who can join the credit union https://www.navyfederal.org/about/eligibility-checklist.php
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Several banks and financial institutions offer low interest military credit cards. USAA, Navy Federal Credit Union, Bank of America, and Chase all offer military credit cards at varying rates.
I believe one can.................
A regular US Navy Admiral, who fought for the Union.