Field of Membership



HealthOne – Field of Membership

Membership in this community credit union shall be limited to:

A. Persons who live, work, worship, volunteer or attend school in and businesses or other legal entities located in the counties of Macomb, Oakland, Washtenaw or Wayne.

B. Employees or pensioners of the Blue Cross Blue Shield organizations, as follows:

1. Blue Cross Blue Shield of Michigan, including the employees who are paid from and supervised by the Detroit Office and the employees of subsidiaries and affiliates under its direct control.
2. Medical Mutual of Ohio.

C. An employee of a food service provider whose permanent work station is located in an office building of an organization which is referenced in part A of this section.

D. Employees of the health care related organizations, providers or practitioners, or the affiliates and subsidiaries under their direct control, which are located in the Counties of Genesee, Macomb, Monroe, Oakland, St. Clair, Washtenaw or Wayne, Michigan.

E. Employees or members of employer groups or other organized groups which are located within 25 miles of the credit union’s main office or branch office, which office locations are authorized as:

1. 600 Lafayette East, Detroit, Michigan
2. 2060 E. Ninth Street, Cleveland, Ohio
3. 200 Renaissance Ctr 1st floor, suite 1201, Detroit, MI. 48243

Each group must provide a written request for service to the credit union. The Commissioner may permanently or temporarily revoke the power to add groups under this provision at the Commissioner’s discretion.

F. Results of the merger of the Michigan Mutual Federal Credit Union, Detroit, Michigan, effective January 1, 1992

1. Members of record as of the date of merger
2. The field of membership, as follows:
Employees and pensioners of the Michigan Mutual Insurance Company and its subsidiaries, Associated General Insurance Company and Associated General Life Company, who work in the States of Florida, Indiana, Illinois, Kentucky, Michigan, Missouri, New York, North Carolina, Ohio or Tennessee.

G. Any person who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union’s principal place of business is located.

H. Employees of this credit union.

I. Members and immediate families of the foregoing.

J. Any legal entity that is comprised for the most part of the same general group as the membership of the
credit union as outlined above.

K. A spouse of a deceased member if accepted into membership prior to remarriage.

Section 2 - Entrance Fee
There may be a uniform entrance fee paid on joining the credit union as determined by the board of directors.

Section 3 - Applications for Membership
Applications for membership from eligible persons must be approved by the affirmative vote of a majority of the board of directors. The board of directors may appoint one (1) or more membership officers who shall be members of the credit union, other than a loan officer. A membership officer shall have the power only to approve applicants.
The application of any eligible person not approved by the membership officer shall be acted upon by the board
of directors.

Applications for membership must be in writing on a form prescribed by the board of directors, and must be signed by the applicant. The authentication of approval of the secretary, or the membership officer, and the date approved shall be appended on all applications. Where one (1) or more membership officers are authorized, each membership officer shall submit to the board of directors a monthly report containing the name and date of approval of all memberships approved. This report shall become a part of the official board of directors minutes.

Section 4 - Continued Membership
A member no longer in the field of membership of this credit union may be permitted to retain membership in accordance with policies established by the board of directors.

Section 5 - Availability of Bylaws
These bylaws shall be made available for inspection or copying by any member at the principal place of business during normal business hours, A nominal charge may be made for copying the bylaws. but such charge may not exceed the cost of reproduction,





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This credit union is federally insured by the National Credit Union Administration.
Accounts and shares of members are insured by the Administration to at least
250,000 for each member or shareholder.