You can transfer out before your third year is my understanding; or at least it used to be third year. I think that was true of ROTC Scholarships, too.
I worked with an Engineer, about a year or two older, who left the Naval Academy in the 1970's. His comment was "they would tell us we were getting a free $50,000 education (that was the numbers back then, now it would be a per year) but they crammed it up our bottom hole 25 cents at a time..."
The oft cited (on Hot Topics) Streetwise Professor
https://streetwiseprofessor.com/ was also at the Naval Academy for two years in the 1970's and got fed up with the BS and left early to go to University of Chicago. He often gets grilled on it when he expert witnesses.
Also had a DONU frat buddy who decided not to go the the USNA (he was working on getting in) and instead took a ROTC scholly from the Air Force instead. He had serious second thoughts.
Generally the Air Force Academy and USAF in general has always had a reputation for being a lot easier going than the other academies and services (remember hearing stories back in the 1960's on that).