§412:10-309 Liens. The credit union shall have a lien on the share accounts and accumulated dividends of a member for any sum owed the credit union by said member and for any loan endorsed by the member. The credit union shall also have a right of immediate set-off with respect to every deposit account. The credit union may also refuse to allow withdrawals from any share or deposit account. The credit union may waive its rights to a lien, to immediate setoff, to restrict withdrawals, or to any combination of such rights with respect to any share or deposit account or groups of such accounts. [L 1993, c 350, pt of §1]