Unless it has recently changed, even an E-4 can retire at 20. NC Guard (Army, maybe @or too) had a policy of promoting an E-4 to Sergesnt at the 20 year retirement point, provided the troop had no. Art. 15 or court martial in the preceeding 5 years. I've seen E-6's on up stay to just shy of their 62nd birthday. Rules on HYT don't apply under Title 32 state peacetime service..
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