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Annual Percentage Rate (APR)

The annual percentage rate (or APR) is the amount of interest on your total loan amount that you'll pay annually (averaged over the full term of the loan). A...

Annual Percentage Yield (APY)

APY refers to how much money you earn on a deposit over a year, taking into account compounding interest. For example, if you put $1,000 into an account for...

Apple Pay Terms

The following terms and conditions govern your use of any Mobile Card in Apple Pay or related Apple features or services.

Application Fee

We here at Members 1st Credit Union are not familiar with this term and have no idea why someone would charge a fee for an account or loan application.

ATM Surcharge

Automated teller machine (ATM) surcharges are additional fees imposed on consumers who use ATMs to withdraw cash. Unlike other ATM fees, surcharges are...

Audio Response

Audio Response is a free service that allows members to access their account information and process transactions using a touch-tone phone. See the Audio...

Audio Response Guide

Audio Response is a free service which allows members to access their account information and process transactions using a touch-tone phone.

Auto Insurance

TruStage offers discounted pricing on auto insurance that is exclusive to credit union members.

Balance Transfer

A balance transfer is where part or all of a debit balance (or debt) you owe to another lender is transferred from one credit card to another, usually to...

Bill Pay

Experience Bill Pay on all your devices with the same simplified layout. Add, edit or delete payees, schedule new payments from any device.

Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now
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