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 It's fairly well known that NFCU won't extend any more credit to anyone that has burned them in the past, unless, and until they are paid back they won't even consider it., Re: Navy Federal Credit Union - Joint Account Holders Yes, you can apply and obtain your own credit products, w/ NFCU, after joining through your significant other..