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I looked a little closer at ELFCU and found it was originally the Eli Lilly & Company credit union. Current or past members/employees of one of the organizations listed here may join.

As an alternative you can establish eligibility by joining for a one time fee of 5.00

Thanks for posting the links. Even with a $25 transfer fee and a $2500 balance it might be worthwhile to transfer from HSABank.
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