can someone explain more in-depth about credit unions. I know what a credit union is, but what do the members have to do? Georgia's own states if you're living in a qualifying county such as gwinnett, then you can join with a minimum of $5 in basic checking. I was going to join just so I could get a loan for a house but I don't think that works, I suppose you have to keep adding money in for a while before they give you a loan for anything, is this correct?