To join the credit union, you must be a member of St Nicholas Church (or an affiliated parish) for 60 days or more, this automatically qualifies you to join (see Become a Member). The minimum deposit is $25.00. Once you are a member for at least 30 days, you can apply for a loan. For loan approval, your Share balance must have the minimum $25.00 plus the value of 1 loan payment on deposit (for the loan you just had approved). If you have more than one loan on the books, your Share balance needs to be the $25.00 minimum plus 1 loan payment for each loan (loans approved after April 1, 2017).