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TeachMeFinance.com - explain members members -- (1) all the savers and borrowers in a mutual savings institution who have the right to elect directors, amend the bylaws, approve any basic corporate change or policy or organization, and, in general, possess most of the rights of ownership that stockholders have in a stock corporation except the right to share in profits. (2) financial institutions that belong to one of the Federal Home Loan Banks. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.