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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...

Appraisal

An opinion or estimate of marketable value. Also refers to the process by which a value estimate is obtained.

Autopay

Setting up automatic payments for credit union loans.

Co-Borrower

Any additional borrower(s) whose name(s) appear on loan documents and whose income and credit history are used to qualify for the loan. Under this...

Combined Loan-To-Value (CLTV)

Combined Loan-To-Value ratio (CLTV) is the proportion of loans (secured by a property) in relation to its value. The term "Combined Loan To Value" adds...

Compound Dividends

Compound dividends are dividends added to the principal of a deposit or loan so that the added dividend also earns dividends. This addition...

Credit Worthiness

An assessment of the likelihood that a borrower can fulfill his or her loan (debt) obligations. It is based upon factors, such as his/her history of...

Dividend Rate

Dividend Rate is the proportion of a loan that is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding...

Equity

Equity is the difference between what you owe on your mortgage and what your home is worth.

Federal Home Loan Bank WISH Program

Learn more about the FHLB's WISH Program offering downpayment and closing cost assistance for home buyers.

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

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