I'm with Navy Federal. I believe they're still pretty exclusive (military and civilian employees of the military), but since my parents got in (they both worked for the military as civilians, and Dad was Navy before that), they passed it on to me. I also have the option of opening some bank accounts with USAA through my brother, I just can't get their car insurance since Dad never had it even though he was eligible and he passed on before we all thought about it.

Actually, I've been looking at some high yield savings accounts and money market accounts from some online only banks (think Ally Bank), but the lack of brick and mortar kinda turns me off. But their rates are a damn sight better than most traditional institutions.