There is a $5 credit union deposit that belongs to you but is put on hold in your account. If you have used a credit union before, you know that they all do this. I forget what the deposit is called but it's like your 'stake' in the credit union.
By law (their credit union charter) all customers of their credit union must own, operate, work for, or donate to a local New Brunswick, NJ charity. So a $10 donation is required.
Not mine... almost a 20 year member of the same CU, and my parents recently switched and I don't recall them having to pay deposits to be held or donations either. Guess that's just an IAFCU thing.
My Credit Onion requires you have a $5.00 share but they don't require any donation.