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Knowledge Center

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About Us

To be recognized by our members as the leading financial institution providing relevant value to past, present, and future generations in Northern California.

Adjustable Rate Mortgage (ARM)

A mortgage loan or deed of trust which allows the lender to adjust the interest rate in accordance with a specified index periodically and as agreed to at...

Annual Meeting

Annual vote of the membership including the election of Board of Directors and the election of Supervisory Committee members.

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.

Board of Directors

A list of the Members 1st Credit Union board of directors.

Bridge Loan

A loan which enables a homebuyer to get financing to make a down payment and pay closing costs on a new home before selling the present house. Also called...

Builders Risk Insurance

Fire and extended coverage insurance for a building under construction. Coverage increased automatically as the building progresses and terminates at...

Calculators

See all Members 1st Credit Union savings and loan calculators.

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