The United Services Automobile Association (USAA) serves millions of military members and their families with a variety of financial services including insurance, banking, and credit cards. USAA is one of many VA-approved lenders who offer VA mortgages and refinances, although it appears that VA renovation loans are not offered at this time. You may be able to take out a personal loan, a cash-out refinance, or a home equity loan or line of credit through USAA that can be used for home improvement costs. Another alternative is to become a member of a private credit union such as Navy Federal that also offers exclusive membership to active duty military, veterans, and their families.