check to see if there is a credit union for your LOCATION ... not all of them are tied to a particular employer or to military ...
like around here, the Twin County credit union takes anyone who lives in the "twin counties" (Thurston and Lewis I think but could be Thurston and Kitsap)
you can also qualify sometimes if a relative does ... that's how I got into the FAA credit union, and to the Boeing Employees credit union
good luck
We are part of the Kitsap Credit Union, because we live in Kitsap County.