Which type of financial institution typically has membership requirements

Credit union

Explanation:

A credit union is a nonprofit cooperative financial institution owned by its members. The services the unions provide are the same as the ones of a  bank, but instead of the stockholders, the profit cycles back to the members, resulting in better rates on deposit accounts. Unlike banks everyone has access to, credit unions have defined membership requirements. To join one, you may have to provide rather broad information, including information about your school, employer, church, etc.

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