Our field of membership shall be limited to those having the following common bond:
1. Persons who reside or work in the City of Niles, Niles Township, or Howard Township located in Berrien and Cass Counties, Michigan, except persons eligible for primary membership in an occupational-type credit union maintaining its principle office in the above described area;
2. Spouses of persons who died while within the field of membership of this credit union;
3. Members of their immediate families, and
4. Organizations of such persons.