ST. JEAN's credit union (the "credit union") is a state-chartered credit union. Its primary business is the acceptance of deposits and the making of loans to members who live or work in in the essex, middlesex, and suffolk counties of the commonwealth of massachusetts, retirees of the city of revere & the town of winthrop, massachusetts, the employees of h.p. HOOD LLC, and members' immediate family, defined as spouse, SON, daughter, mother, father, sister, or brother.