Long time member and active duty military. Quite simply USAA underperforms- investing returns are below average with moderate fees. Money Market returns are well below other providers, quality of insurance customer service is erratic. I have moved all of my investments and am in the process of moving all other accounts. USAA’s patriotic feel good commercials about the military and mystic of exclusivity are simply disingenuous window dressings masking otherwise sub-par financial institution that is motivated solely by profits. For fellow military members: educate and empower yourself; do not rely on or trust those that claim to have your best interest at heart, no matter how much they wrap themselves in the flag. We serve the country, USAA serves the bottom line alone.