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I'm a fan of Digital Federal Credit Union (DCU)

Very strict membership requirements.
You have to work for one of a set of companies, or live in the area.

Or belong to one of three organizations.
One of which you can join while applying for an account. ;-)
Just like PenFed.

I once opened an account with Alliant CU, which was originally the United Airlines CU. I think I met the membership requirement by having flown on United at least once in the previous year.
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