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Hi csaaphill, welcome to NavyField.
In order to use the different nations you will need to have a Bridge Operator (captain of the ship) for the nation you want to use. To do that, you have to level your sailor to level 12, then chose a nation for him and make him a bridge operator. You will also need to create other kinds of sailors for your nation - gunners, repairer, engineers etc. Once you have a crew for a particular nation you can buy a ship for that nation - please read the various guides in the forum to learn about each nation and the ships available.
As for saving points and credits in your HQ, that's just a way to hide away points/credits, just type in how many you want to put in your HQ and click save - since you're new you won't need to worry about that yet.
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