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($22.8 billion in assets, 1.6 million members) opened a Charitable Donations Account in 2016, which has been growing at a 9% annual rate so far. Its balance was $109.4 million in September, making it the largest CDA among federally insured credit unions. The CDA allows PenFed to earn a higher return to generate more money for <a href=\"https://www.cutimes.com/2014/06/08/charitable-donation-accounts-balance-giving-invest/\" target=\"_blank\">philanthropic giving</a>.</p>","<p>CDAs were born from a rule the <a href=\"https://www.cutimes.com/2013/12/12/charitable-donation-accounts-rule-finalized-on-sit/\" target=\"_blank\">NCUA</a> adopted in December 2013 allowing the hybrids that are both investment vehicles and generators of funds for charitable giving. 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