The membership of a mutual state savings bank shall consist of:
Any person who holds deposit accounts in a savings bank; or
Any person who borrows funds and becomes obligated on a loan from the savings bank, for such time as the loan remains unpaid, or the borrower remains liable to the savings bank for the payment thereof.
Any person in his own right, or in a trust or other fiduciary capacity, or any partnership, association, corporation, political subdivision or public or government unit or entity may become a member of a mutual savings bank. Members shall possess such voting rights and other rights as provided by a savings bank's certificate of incorporation and bylaws. Such members shall be considered the owners of a mutual savings bank.