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ATM
Automated Teller Machine. An unmanned electronic device that performs basic teller functions, such as accepting deposits, cash withdrawals, and account balance inquiries.

Amortization
A method of retiring or liquidating a debt by making periodic and regular installment payments

Annual Fee
A fee charged on an annual basis by the credit card issuer to the cardholder to help cover the cost of maintaining the cardholder's account.

Annual Percentage Rate
  - Credit Card
The percentage rate applied to outstanding balances on a credit card on an annual basis. The APR can be fixed or variable.
  - Mortgage
The actual cost of your loan disclosed in a rate of interest including all of the associated costs such as fees.

Annual Percentage Yield
The effective yield of a deposit taking into account the method of compounding interest.

Annual Report
The Credit Union prepares an annual report at the end of a fiscal year. This report sizes up credit union operations and displays earnings, sales, balance sheets and financial footnotes.

Appraisal
The assessed value of a property.

Available Credit
The amount of the cardholder's credit line after the current balance, plus any outstanding authorizations for transactions that have not yet been posted.

Average Daily Balance
An amount calculated by adding together all the daily balances of the billing cycle and dividing the sum total by the number of days within that cycle.