USAA is an insurance association that owns a bank:<p><a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;USAA#Legal_structure" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;USAA#Legal_structure</a><p>They do seem to have a focus on providing good service.<p>edit: (so the members of the bank are not cooperative owners of it like they would be at a CU, they are customers).