(a) Without further agreement or pledge, an association or a federal association doing business in this state has a lien on all savings accounts owned by a member to whom or on whose behalf the association has advanced money by loan or otherwise.
(b) On default in the payment or satisfaction of the member's obligation, the association, without notice to or consent of the member, may cancel on its books all or part of the member's savings account and apply that amount to payment of the obligation.
(c) The association by written instrument may waive its lien in whole or in part on a savings account.
(d) The association may take the pledge of a savings account of the association that is owned by a member other than the borrower as additional security for a:
(1) loan secured by an account;
(2) loan secured by an account and real property; or
(3) real property loan.