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In the USAA Community, we strive to be a trusted place for our members to comment or ask a question about a service USAA provides, connect with other members, or ask questions on military life topics. Each month, in our “You Asked, We Answered” (YAWA) series, we look at the trending topics driven by your questions and comments.


This month, we are taking a closer look at top questions regarding USAA membership eligibility for family members.


Generally, USAA membership is open to active, retired, and separated veterans with a discharge type of “Honorable” from the U.S. military and their eligible family members. Here is what you need to know about USAA eligibility for family members.


Who is an eligible family member?

Spouses, widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage, as well as individuals whose parents joined USAA.


Are children of my wife (second marriage) eligible for membership?

YES. USAA members can pass membership eligibility to step-children as well as biological children.


Are children of deceased parents eligible?

For a child to be eligible, the parent must join USAA while living. Once the parent’s USAA membership is established, membership eligibility can be passed on to the member's children. USAA membership cannot be established posthumously for deceased parents.


Can my siblings join?

No. Your USAA membership eligibility cannot be passed to siblings.


Are Parents Eligible for USAA?

No. Your USAA membership eligibility cannot be passed to parents.


Why these eligibility restrictions?

USAA was founded in 1922 when 25 Army officers came together to insure each other’s automobiles.   Since that time, USAA has continued to grow as a membership-based organization. Our eligibility rules reflect USAA’s primary mission…to be the provider of choice for the U.S. military community and their immediate families. This does not reflect USAA’s opinion concerning the desirability or insurability of other family members but rather, a decision to focus our resources on the current eligibility groups.


You can find additional details on USAA eligibility requirements here.


Have any questions I can help answer? Please let me know in the comments.




Disclosures: Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of "Honorable". Eligible former dependents of USAA members may join USAA.


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Occasional Visitor

Is my son eligible for USAA benefits? Specifically, can he qualify for a USAA mortgage?


Dear @July registration,

Thanks for your question! Benefits are passed down from parent to child so my initial answer is yes! I have asked a specialist to look into your specific situation and I will post an update as soon as I get an answer. Thanks again for posting here in community!


Hi @July registration! I just confirmed that yes, your son is eligible. You can add your son under your profile/family members (this option can be found in your personal profile) or have your son call new member solutions at 800-365-USAA (or 800-365-8722).

New Member

If an eligible member, who has children that are now members, leaves USAA, do the children retain their membership?



Yes. When a person establishes a membership , they are members for life. Thank you for posting!

New Member

How do I establish eligibilty / open accounts for my minor children?

New Member

Follow-up question, my spouse is on my account. Does she have her own USAA number now? (i.e., when I pass, will she have any issues maintaining her membership?)




You can add your children to your account online through your “Profile & Settings” or by calling 1-800-531-8722. When you add your family members, they will then be listed in your profile and be assigned a member number (like in the screen shots below).

Step1 Add Child.png

Step2 Add Child.png


Your spouse does have her own member number, you can find It through your personal profile (Your spouse’s name should be listed under “Family Member Information”).


I hope this helps! Please let me know if you have any additional questions. Thanks for commenting.

New Member

My Wife's father is a member and my wife is a member, is it possible for me to become a memeber via my father in-law?   If so how?


Thank you!



Thank you for your question! You are eligible through your wife, not your father in law. However, it is best to talk to an eligibility specialist at 1-800-531-8722 to make sure all the details are in order (since we can't discuss specific details about your spouses eligibility in this channel). I hope that helps! Thanks again for posting!