Membership in this credit union shall consist of: Individuals who live or work or worship in Alpena County, Michigan or in the townships of Presque Isle, Montmerency,, Alcona, Oscoda, Iosco, Ogamaw and Arenac counties Any person over the age of 55 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 main office or a branch is located. Employees of this credit union Members of the immediate families of the foregoing Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership outlined above. A spouse of a deceased member if elected to membership prior to remarriage