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Refinancing
Obtaining a new loan that pays off an existing loan. This creates new payment and interest rate terms.

Roth IRA
An individual retirement account to which you may be able to contribute up to $3,000 in in 2002 through 2004. The limit increases to $4,000 per year in 2005 through 2007, and to $5,000 in 2008 and beyond. . Contributions are not tax deductible, but any growth is tax free and qualified withdrawals may be tax free. Certain income restrictions apply.

Routing Number
Agriculture FCU's Routing and Transit (ABA) number is 254074057. This is a number used by the Federal Reserve to identify each individual financial institution. The number is used for such transactions as wire transfers and check settlement.