No, I am completely serious. As soon as Sue said it was PenFed who had 5yr CD for 3%, I called them although I thought you had to have been in the military or something similar.
When I said I am not sure if I belong to any organization, one thing the rep asked me was exactly that (If I ever donated blood for Red Cross), as well as if I have donated money to Red Cross (which I have done in the past, so I said I had donated money to Red Cross in the past). I asked if I needed to produce the receipt (which would have taken me time since I used my mileage on the card that I have already closed to do the donation), she said No. Even if you haven't done either of these things, I think the rep said all you had to do was to pay $15 to become a member. (I could be wrong, but in the old days, they had tigher restrictions on who can become a member...)