AICPA
AID
AIMR
AIRES
ALL
ALM
ANSI
APR
APY
APYE
ACUC
ACUC
ACUMA
ADA
ADAPSO
ADCU
AFCU
AFCUL
AFS
AI
A
AACUC
AACUL
ABA
ABCUL
ABS
ACB
ACCOSCA
ACCU
ACCU
ACH
ACP
ACUA
ACUIA
B
BA
BAI
BBB
BBS
BIF
BIN
BO
ARM
ARU
ASCII
ASF
ASI
ATM
CREDIT UNION NATIONAL ASSOCIATION
INFORMATION RESOURCE CENTER
CREDIT UNION ACRONYMS
African-American Credit Union Coalition
American Association of Credit Union Leagues
American Bankers Association
Association of British Credit Unions, Ltd.
Asset-backed security
America’s Community Bankers
Africa Confederation of Cooperative Savings and Credit Associations
Asian Confederation of Credit Unions
Association of Corporate Credit Unions
Automated clearing house
Amortizing Certificate Program
Airline Credit Union Association
Association of Credit Union Internal Auditors
Aerospace Credit Union Conference
America’s Credit Union Conference
American Credit Union Mortgage Association
Americans with Disabilities Act`
The Association of Data Processing Service Organizations
Association of DuPont Credit Unions
American Federation of Credit Unions
Australian Federation of Credit Unions, Ltd.
Available for sale
Artificial intelligence
American Institute of Certified Public Accountants
Agency for International Development
Association for Investment Management and Research
Automated Integrated Regulatory Examination System (NCUA)
Allowance for loan losses
Asset liability management
American National Standards Institute
Annual percentage rate
Annual percentage yield
Annual percentage yield earned
Adjustable rate mortgage
Audio response unit
American Standard Code for Information Interchange
Available for sale
American Share Insurance Corporation
Automated teller machine
Bankers acceptance
Bank Administration Institute
Better Business Bureau
Computer bulletin board system
Bank Insurance Fund
Bank identification number
Branch office
© 2007 Credit Union National Association.
Not reproducible without permission. - 1 -

CFA
CFA
CFO
CFO
CFR
CFSP
CFTC
CHIPS
CI
CIE
CIF
CIF
CLE
CLC
CLF
CLUSA
CMBDC
CMC
CMG
CMO
CMT
CNBS
COBRA
COFI
COLA
BP
BSA
C
CAMEL
CASB
CAT
CBA
CBO
CBT
CCACU
CCCS
CCCS
CCCU
CCCU
CCUE
CCUN
CCD
CD
CDCU
CDFI
CD-ROM
CEA
CEBA
CEO
CEP
CETA
CF
Basis point
Bank Secrecy Act
Capital adequacy, asset quality, management, earnings, and asset liability management
Cost Accounting Standard Board
Customer-activated terminal
Cost-benefit analysis
Congressional Budget Office
Computer-based training
Combined Council of Automotive Credit Unions
Canadian Co-operative Credit Society
Consumer credit counseling services
Caribbean Confederation of Credit Unions
Chrysler Council of Credit Unions
Certified credit union executives
Corporate Credit Union Network
Cash concentration or disbursement
Certificate of deposit
Community development credit unions
Community development financial institution
Compact disk-read only memory
Council of Economic Advisors
Competitive Equality Banking Act of 1987
Chief executive officer
Certified Executive Program
Comprehensive Employment and Training Act
Cash flow
Chartered financial analyst
Consumer Federation of America
Chief financial officer
CFO Council
Code of Federal Regulations
Certified Financial Services Professional
Commodity Futures Trading Commission
Clearing House Interbank Payments System
Certificate of indebtedness
Customer-initiated entry
Consumer or customer information file
Community investment fund
Certified league executive
CUNA Lending Council
Central liquidity facility
Cooperative League of the U.S.A.
CUNA Marketing and Business Development Council
CUNA Marketing Council
CUNA Mutual Group
Collateralized mortgage obligation
Constant-maturity treasury
Corporate Network Brokerage Services
Consolidated Omnibus Budget Reconciliation Act
11th District Cost of Funds Index
Cost-of-living adjustment
© 2007 Credit Union National Association.
Not reproducible without permission. - 2 -

D
DCUC
DDA
DDP
DE
DEUK
DFI
DIDC
DIDMCA
DIF
DJIA
DM
DRIP
DTC
DUDE
DV01
DVP
E
ECOA
ECUC
CTC
CU
CUBS
CUCC
CUDE
CUES
CUFS
CUIAA
CUIC
CUL
CULAC
CUM
CUNA
CURIA
CUS
CUSIP
CUSO
CUVN
COLAC
COO
CPD
CPF
CPI
CPP
CPR
CPU
CRA
CRCU
CRPP
CRSF
CSC
CSSI
Confederation of Latin American Savings and Credit Cooperatives
Chief operating officer
Center for Professional Development
Center for Personal Finance
Consumer price index
Conditional prepayment percentage
Constant prepayment rate
Central processing unit
Community Reinvestment Act
Congress of Religious Credit Unions
CUNA Retirement Pension Plan
CUNA Retirement Savings Fund
CUNA Supply Corporation
CUNA Strategic Services, Inc.
CUNA Technology Council
Credit union
Credit Union Benefits Services
Credit Union Central of Canada
Credit union development education or educator
Credit Union Executives Society
Credit Union Financial System
Credit Union Internal Auditors Association
Credit Union Insurance Corporation
Credit union league
Credit Union Legislative Action Committee
Credit Union Magazine (Sometimes Credit Union Movement)
Credit Union National Association
Credit Union Regulatory Improvement Act
Credit Union System
Committee on Uniform Securities Identification Procedures
Credit union service organization
Credit Union Video Network
Defense Credit Union Council
Demand deposit account
Direct deposit payroll plan
Development education or educator
Credit union development educator United Kingdom
Designated financial institution
Depository Institutions Deregulation Committee
Deposit Insurance Deregulation and Monetary Control Act
Deposit insurance fund
Dow Jones Industrial Average
Discount margin
Dividend Reinvestment Plan
Depository trust company
Down u nder (Australia’s) development educator
Dollar value of a basis point
Delivery versus payment
Equal Credit Opportunity Act
Education Credit Union Council
© 2007 Credit Union National Association.
Not reproducible without permission. - 3 -

FCUA
FCUL
FDCA
FDIC
FEMA
FFB
FFCB
FFD
FFIEC
FFM
FACT Act
FAMC
FAS
FASB
FC
FCCU
FCRA
FCS
FCU
EDA
EDI
EDP
EDS
EEOC
EFCU
EFT
EFTA
EFTS
EM
E-MAIL
ERA
ERISA
ESOP
F
FGIC
FHA
FHFB
FHLB
FHLBB
FHLMC
FICA
FICO
FIMA
FIRIA
FIRREA
FMHA
FMLA
FMV
FNMA
FOIA
FOM
FOMC
FRB
FRI
Economic Development Administration
Electronic data exchange
Electronic data processing
Electronic data system
Equal Employment Opportunity Commission
Employees federal credit union
Electronic funds transfer
Electronic Funds Transfers Act
Electronic fund transfers system
Everybody's Money
Electronic mail
Economic Regulatory Administration
Employee Retirement Income Security Act of 1974
Employee stock option plan
Fair and Accurate Credit Transactions Act
Federal Agricultural Mortgage Corporation (Farmer MAC)
Financial Accounting Standard
Financial Accounting Standards Board
Finance charge
Ford Council of Credit Unions
Fair Credit Reporting Act
Farm Credit System
Federal credit union
Federal Credit Union Act
Fiji Credit Union League
Fair Debt Collection Act
Federal Deposit Insurance Corporation
Federal Emergency Management Agency
Federal Financing Bank
Federal Farm Credit Bank
Federal Financing Bank
Federal Financial Institutions Examination Council
Full family marketing
Federal Guaranty Insurance Company
Federal Housing Authority
Federal Housing Finance Board
Federal Home Loan Bank
Federal Home Loan Bank Board
Federal Home Loan Mortgage Corporation
Federal Insurance Contribution Act
Financing corporation
Financial Institutions Marketing Association
Financial Institutions Regulatory and Interest Rate
Financial Institutions Reform, Recovery, and Enforcement Act
Farmers Home Administration
Family Medical Leave Act
Fair market value
Federal National Mortgage Association
Freedom of Information Act
Field of membership
Federal Open Market Committee
Federal Reserve Board
Filene Research Institute
© 2007 Credit Union National Association.
Not reproducible without permission. - 4 -

I
HUD i3
IAN
IASC
IASCU
ICBA
ICCUE
IDCA
IFC
ILC
ILCU
GTC
GTD
GUN
H
HCFA
HELOC
HLPR
HMDA
HRD
HRM
HR/TD
HR1151
HTM
HTML
FRS
FSA
FSI
FSLAC
FSLIC
FTC
FTP
G
GAAP
GAAS
GAC
GAGAS
GAO
GASB
GATT
GDP
GMC
GNMA
GO
GPM
GSA
GSE
GSG
GSP
Federal Reserve System
Financial Services Act
Financial services industry
Federal Savings and Loan Advisory Committee
Federal Savings and Loan Insurance Corporation
Federal Trade Commission
File transfer protocol
Generally accepted accounting principles
Generally accepted auditing standards
Governmental Affairs Committee (or Conference)
Generally accepted government auditing standards
General Accounting Office
Government Accounting Standards Board
General Agreement on Tariffs and Trade
Gross domestic product
Guaranteed mortgage certificate
Government National Mortgage Association
General obligation
Graduated payment mortgage
General Services Administration
Government-sponsored enterprise
Garn-St. Germain Depository Institutions Act
Government Securities Program
Good-until-canceled order
Guaranteed bond
Guaranteed underwritten note
Health Care Financing Administration
Home equity line of credit
Home loan payment relief
Home Mortgage Disclosure Act
Human Resource Development
Human resource management
Human Resources, Training and Development Council
Credit Union Membership Access Act of 1998
Held to maturity
Hyper Text Markup Language
Housing and Urban Development Department
Filene Research Credit Union Innovation group
Indexed amortizing note
International Accounting Standards Committee
International Association of Select Credit Unions (Safeway Credit Unions)
Independent Community Bankers Association
Institute of Certified Credit Union Executives
United States International Development Cooperation Agency
International Finance Corporation
Industrial loan companies
Irish League of Credit Unions
© 2007 Credit Union National Association.
Not reproducible without permission. - 5 -

IMF
INET
IO
IPO
IRA
IRC
IRS
ISDN
ISO
ITCUA
J
JPEG
L
LAFTA
LAN
LBO
LDC
LEAP
LEI
LIBOR
LICU
LIFO
LMI
LP
LS
LSC
LSD
LSOS
LTV
LUA
M
MACRS
MACUMA
MAPS
MBB
MBD
MBIA
MBO
MBS
MCIF
MERIT
MICR
MIS
MM
MMA
MMDA
MMMF
MO
MSIC
MSRB
International Monetary Fund
Interbank Network for Electronic Transfer
Interest only
Initial public offering
Individual retirement account
Information Resource Center
Internal Revenue Service
Integrated Services Digital Network
Incentive sharing option
Information Technologies Credit Union Association
Joint Photographic (Experts) Group
Latin American Free Trade Association
Local area network
Leveraged buyout
Less developed country
Lending Excellence and Performance (Project LEAP)
Leading economic indicators index
London Interbank offered rate
League of IBM Employees Credit Unions
Last-in, first-out
League Management Institute
Loan protection
Life savings
League Service Corporation
League Services Development Section
League Staff Orientation Seminar
Loan-to-value ratio
Letter of understanding and agreement
Modified accelerated cost recovery system
Metropolitan Area Credit Union Management Association
Margin auction preferred stock
Mortgage-backed bond
Minority Business Development Agency
Municipal Bond Insurance Association
Management by objectives
Mortgage-backed security
Marketing Central Information File
Mid-Manager's Enrichment Training Program
Magnetic ink character recognition
Management Information System (Data Processing)
Money Markets
Money Market Account
Money Market Deposit Account
Money Market Mutual Fund
Money order
Massachusetts Credit Union Share Insurance Corporation
Municipal Securities Rulemaking Board
© 2007 Credit Union National Association.
Not reproducible without permission. - 6 -

NCUI
NCUMA
NCUSIF
NEEIF
NEFE
NEV
NFCDCU
NFIP
NICP
NIFCUS
NOI
NOL
NOW
NTIS
NYIB
NZCUL
O
OC
OCC
OCED
OCR
OECD
OFR
OMB
N
NACCU
NACHA
NACSCU
NACUC
NACUP
NACUSAC
NACUSO
NACUW
NAFCU
NAFTA
NARCU
NARCUP
NARP
NARS
NASCCU
NASCUS
NASD
NASDAQ
NASIC
NAV
NBS
NCCB
NCD
NCPCU
NCSCUC
NCUA
NCUF
National Association of Consumer Credit Unions
National Automated Clearing House Association
National Association of Cooperative Savings & Credit Unions
National Association of Credit Union Chairmen
National Association of Credit Union Presidents
National Association of Credit Union Supervisory and Audit Committees
National Association of Credit Union Service Organizations
National Association of Credit Union Women
National Association of Federal Credit Unions
North American Free Trade Agreement
National Association of Railroad Credit Unions
National Association of Retired Credit Union People
National Action & Response Program
National Archives and Records Service
National Association of State Chartered Credit Unions
National Association of State Credit Union Supervisors
National Association of Securities Dealers
National Association of Securities Dealers Automated Quotations
National Association of Share Insurance Corporations
Net asset value
National Bureau of Standards
National Consumer Cooperative Bank
Negotiable certificate of deposit
National Council of Postal Credit Unions
National College Student Credit Union Council
National Credit Union Administration
National Credit Union Foundation
National Credit Union Institute
National Credit Union Management Association
National Credit Union Share Insurance Fund
National Education and Endowment Fund
National Endowment for Financial Education
Net economic value
National Federation of Community Development Credit Unions
National Flood Insurance Program
National Insurance Card Program
National Investment Fund For Credit Unions
Net operating income
Net operating loss
Negotiable Order of Withdrawal Account
National Technical Information Service
National Youth Involvement Board
New Zealand Credit Union League
Offering circular
Office of the Comptroller of the Currency
Office of Comprehensive Employment Development Programs
Optical character recognition
Organization for Economic Cooperation and Development
Office of the Federal Register
Office of Management and Budget
© 2007 Credit Union National Association.
Not reproducible without permission. - 7 -

RAN
RAP
RCPC
RCUL
RE
REIT
REM
REMIC
RESPA
RFC
ROA
ROE
ROI
ROM
PV
Q
QA
QC
R
R&D
RAM
RAM
POD
POD
POP
POR
POS
PPI
PPP
PR
PSA
PTC
PC
PCA
PDF
PhDE
PIN
PITI
PM
PMI
PN
PO
OpSS
OSHA
OTS
P
PAC
PAL
PBGC
PBP
Operations Sales & Service Council
Occupational Safety and Health Administration
Office of Thrift Supervision
Political Action Committee
Pre-approved loan
Pension Benefit Guaranty Corporation
Pay by phone
Personal computer
Prompt Corrective Action
Portable Document Format
Phillipines Development Educator
Personal Identification Number
Principal, interest, taxes and insurance
Profit margin
Private mortgage insurance
Promissory note
Principal only
Payment on Death Account
Proof of deposit
Point of purchase
Policy Owner Representative
Point-of-sale
Producer price index
Purchasing power parity
Public relations
Public Securities Association Prepayment Index
Participants Trust Company
Present value
Quality assurance
Quality control
Research and development
Random access memory
Reverse annuity mortgage
Reverse anticipation note
Regulatory account procedures
Regional Check Processing Center
Russian Credit Union League
Retained earnings
Real Estate Investment Trust
Reverse mortgage
Real estate mortgage investment conduit
Real Estate Settlement Procedures Act
Resolution Funding Corporation
Return on assets
Return on equity
Return on investment
Read-only memory
© 2007 Credit Union National Association.
Not reproducible without permission. - 8 -

UCC
UCCC
UGMA
UIT
UNASCU
UNCUA
UPB
URL
USC
USC
USCG
USM
UTMA
V
T
TCP/IP
TEFRA
TEY
TIL
TIN
TIS
TM
TN
TQM
TVA
U
S
S&L
S&P
SAIF
SAR
SAS
SBA
SCUF
SD
SEC
SEG
SEP
SFA
SFAS
SIC
SIMI
SIPC
SLMA
SMBS
SIMPLE
SSA
STAR
Savings and Loan Association
Standard & Poor's
Savings Association Insurance Fund
Suspicious activity report
Statement of Auditing Standards
Small Business Administration
State credit union foundation
Share drafts
Securities and Exchange Commission
Select employee group
Simplified employee pension
Securities and Futures Authority
Statement of Financial Accounting Standard
Standard Industrial Classification
Social Impact Management Institute
Securities Investor Protection Corporation
Student Loan Marketing Association
Stripped Mortgage-Backed Security
Savings Incentive Match Plan for Employees
Social Security Administration
Staff Training and Recognition Program
Transmission Control Protocol/Interface Program
Tax Equity and Fiscal Responsibility Act of 1982
Tax equivalent yield
Truth-in-Lending
Taxpayer identification number
Truth-in-Savings
Trade mark
Treasury note
Total quality management
Tennessee Valley Authority
Uniform Commercial Code
Uniform Commercial Credit Code
Uniform Gift to Minors Act
Union Investment Trust
Ukrainian National Association of Savings & Credit Unions
Ukrainian National Credit Union Association
Unpaid balance
Uniform resource locator
U.S. Central Credit Union
United States Code
United States government guaranteed
Unlisted securities market
Uniform Transfers to Minors Act
© 2007 Credit Union National Association.
Not reproducible without permission. - 9 -

VA
VAP
VAT
VLP
VOE
VOR
VRL
VRU
W
Y
YTC
YTM
Z
ZBA
ZBB
ZCS
WAC
WAL
WAM
WATS
WOCCU
WPI
WWW
Veterans Administration
Volunteer Achievement Program
Value Added Tax
Volunteer Leadership Program
Verification of employment
Verification of rent
Variable-rate loan
Voice response unit
Weighted average coupon
Weighted average life
Weighted average maturity
Wide Area Telephone Service
World Council of Credit Unions
Wholesale price index
World Wide Web
Yield to call
Yield to maturity
Zero Bracket Account
Zero-based budget
Zero coupon security
© 2007 Credit Union National Association.
Not reproducible without permission. - 10 -