Well if i got you right, you want to have contact assigned to account and if that account is membership = yes, you want to see that on contact also?
I would do it with logic hooks by making a custom field in contacts module also named like membership and have it displayed on detailview only, but then i would make before_save logic hook which would do something like this:
PHP Code:
// find out if the account from contact has membership yes or no
$query = "SELECT membership FROM accounts WHERE id = '$bean->account_id'";
$result = $db->query($query,true);
// fetch a row selected
$row = $db->fetchByAssoc($result);
// assign account membership status to contact, do log->fatal to see what array field to use
$bean->membership = $row['membership'];
// now you will have membership status copied from account to contact, but you can also make
// before_save logic_hook for account to update all contacts assigned membership status so you are
// allways up-to-date
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