I will say NFCU is very thorough - I wasn't a member when I filed my 13 but became one shortly there after, about 1/2 through my 13 all of a sudden the BK Banner the OP references appeared, I called to inquire since I didn't IIB them and was informed the banner would remain while the 13 was active and I could not obtain any credit (but they did provide me with an nRewards card about a year later) but since I hadn't IIB'd them it would come off after discharge and it did. As mentioned above, the majority of CU's have a similar rule, once they incur a loss they will never issue credit again (most will close your account but NFCU doesn't go that far) - also as mentioned the OP will need to decide if it's worth voluntarily paying them back in full or not (I IIB'd the Delta CCU - when I inquired about repayment their BK department just laughed and said it woudnl't make any sense for me to do it but they'd gladly accept the $ and I'd be in good standing again... they were right, the benefits just wounldn't outweigh the repayment so I remain unable to have any accounts with them) , Re: Navy Federal Credit Union Yea, NFCU will not extend credit after being burned in BK. Unfortunately, I burned NFCU on a couple of credit cards in a BK in 2017., Re: Navy Federal Credit Union - Joint Account Holders I am a RETIRED MILITARY. I am married and we have a joint account (checking) , we each opened our own CC accounts, we have 2 separate Flagship Visa and 2 separate Reward AMEX, 2 separate savings account..