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To clarify: In order to get any kind of financial service beyond savings, including auto loans at the credit union I belong to, you have to have that $5 deposit. That $5 is can't be withdrawn until your loan has matured. I honestly have no clue if I'm helping :D

I'm not a member of TCU, but one thing at mine is that you have to open up a savings account with a minimum $5 in it. This is the $5 you're sharing with the "members" since a credit union is really just a bunch of people sharing money, and its what helps make the loans so cheap! But maybe give...