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Membership is available to anyone who lives,works or worships in the Town or City of Elmira, the Townships of Ashland, Chemung, Lowman and Wellsburg. Membership is also offered to any family members of current members. We offer lifelong membership: once a member, always a member, as long as your account is kept current and in order. This means even if you move, retire or change jobs, your credit union membership will remain. You must maintain a balance of at least $25 in your share account at all times.