Memberships (excluding Individual & Corporate) may be owned in joint tenancy with a spouse with rights of survivorship. All Stock / Initiation fees are non-refundable. Included in the dues for Shareholder & Corporate. Members is a $100 Capital Fund Fee and a $10 Mortgage Retirement Fee. Included in the dues for Junior, Social, or Non-Resident Members is a $50 Capital Fund Fee and a $10 Mortgage Retirement Fee.