╨╧рб▒с>■  +-■   *                                                                                                                                                                                                                                                                                                                                                                                                                                                ье┴ Ё┐bjbjрр 4 ВjВj       l▄▄▄▄▄▄▄ЁДДДД Р$Ё ╢└└└└└└└└И К К К К К К $┐ ▀pо ▄└└└└└о ь▄▄└└├ ььь└"▄└▄└И ь└И ьИьt ▄▄t └┤ PwСЬIк─ЁФДт t t ┘ 0 t OьOt ьЁЁ▄▄▄▄┘Credit Union Acronyms Acronyms can be confusing, especially if youТre new to CUs (thatТs credit unions). Below is a helpful list of many of the acronyms used by our financial institution. ACH Automated Clearing House ALM Asset Liability Management APR Annual Percentage Rate APY Annual Percentage Yield APYE Annual Percentage Yield Earned ARM Adjustable Rate Mortgage ATM Automatic Teller Machine BSA Bank Secrecy Act CAMEL Capital Adequacy, Asset Quality, Earnings, Asset/Liability Management CCCS Consumer Credit Counseling Service CCUE Certified Credit Union Executive CD Certificate of Deposit CFO Chief Financial Officer CPA Certified Public Accountant CPI Collateral Protection Insurance, Consumer Price Index CTR Currency Transaction Report CU Credit Union CUES Credit Union Executives Society CUMIS Credit Union Mutual Insurance Society CUNA Credit Union National Association CUSO Credit Union Service Organization DR Disaster Recovery EBP Electronic Bill Payment ECOA Equal Credit Opportunity Act EFT Electronic Funds Transfer EIN Employer Identification Number FBI Federal Bureau of Investigation FCC Federal Communication Commission FCRA Fair Credit Reporting Act FCU Federal Credit Union FDIC Federal Deposit Insurance Corporation FFIEC Federal Financial Institutions Examination Council FHA Federal Housing Administration FHLMC Federal Home Loan Mortgage Corporation (Freddie Mac) FinCEN Financial Crimes Enforcement Network FMLA Family Medical Leave Act FNMA Federal National Mortgage Association (Fannie Mae) FRB Federal Reserve Bank FTC Federal Trade Commission FY Fiscal Year GAP Guaranteed Asset Protection GFE Good Faith Estimate HELOC Home Equity Line of Credit HMDA Home Mortgage Disclosure Act IRA Individual Retirement Account LAN Local Area Network LLC Limited Liability Company LLP Limited Liability Partnership LOC Line of Credit LTV Loan to Value MBP Mechanical Breakdown Protection MICR Magnetic Ink Character Recognition MMA Money Market Account MSR Member Service Representative MSRP ManufacturerТs Suggested Retail Price NACHA National Automated Clearing House Association NADA National Automobile Dealers Association NAFCU National Association of Federal Credit Unions NCUSIF National Credit Union Share Insurance Fund NCUA National Credit Union Administration NSF Non-Sufficient Funds OCC Office of the Comptroller of the Currency OFAC Office of Foreign Asset Control PFI Primary Financial Institution PMI Private Mortgage Insurance POS Point of Sale RESPA Real Estate Settlement Procedures Act RFPA Right to Financial Privacy Act of 1978 ROA Return on Assets ROAA Return on Average Assets ROE Return on Equity ROI Return on Investment SAR Suspicious Activity Report SEG Select Employee Group SSA Social Security Administration SCRA ServicemembersТ Civil Relief Act SSI Supplemental Security Income SSN Social Security Number TILA Truth in Lending Act TIN Taxpayer Identification Number TISA Truth in Savings Act UCC Uniform Commercial Code VA VeteranТs Administration YTD Year to Date ╜╛▄№5ZxЦм°!HcАб▄¤4`И░╞у%¤√√√√√√√√√√√√√√√√√√√√√√√√√√√√¤%InФ┤╬·4 X У ┐ ▐  1 O _ А Щ ║ ▌  7 Z o В з ╨ ъ ¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤ 9 m Ы ╧  , F u Ы ╛ ▐ ё J`Хп╧ъ5WsО▓═ъ¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤2 00PP&P1РF░╨/ ░р=!░а"░а#Ра$Ра%░ i<@ё < NormalCJOJQJ_HmH sH tH <A@Є б< Default Paragraph Font.>`Є. 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