In order for you to be a member in good standing in the credit union you MUST have $5.00 in shares. You can deposit funds to your share account which will earn a dividend which is declared at the AGM. However in order to earn this dividend you MUST be a member as at 31st December of that year to earn the dividend for that year.

The amount of the dividend for any particular year is only declared at the AGM for that year.