| ABA | American Bankers Association |
| ACH | Automated Clearing House |
| ACU | America’s Credit Unions (CUNA & NAFCU) |
| ADA | Americans with Disabilities Act |
| AFFN | Armed Forces Financial Network |
| AICPA | American Institute of Certified Public Accountants |
| ALCO | Asset Liability Committee |
| ALM | Asset Liability Management |
| AML | Anti-Money Laundering |
| ANPR | Advance Notice of Proposed Rulemaking |
| ANSI | American National Standards Institute |
| APR | Annual Percentage Rate |
| APY | Annual Percentage Yield |
| APYE | Annual Percentage Yield Earned |
| AR | Suspicious Activity Report |
| ARM | Adjustable Rate Mortgage |
| ATM | Automated Teller Machine |
| BRAC | Base Realignment and Closure |
| BSA | Bank Secrecy Act |
| CAMEL | Capital Adequacy, Asset Quality, Management, Earnings, Asset/Liability Management |
| CAP | Community Action Plan CAR |
| CAR | Capital Asset Ratio |
| CARM | Convertible Adjustable Rate Mortgage |
| CBO | Congressional Budget Office |
| CCCS | Consumer Credit Counseling Service |
| CCI | Consumer Confidence Index |
| CCPA | Consumer Credit Protection Act |
| CCUN | Corporate Credit Union Network |
| CD | Certificate of Deposit – not allowed for credit unions |
| CDCU | Community Development Credit Union |
| CDFI | Community Development Financial Institution |
| CDI | Credit Disability Insurance |
| CFA | Consumer Federation of America |
| CFO | Chief Financial Officer |
| CFPB | Consumer Financial Protection Bureau |
| CIO | Chief Information Officer |
| CLF | Central Liquidity Facility |
| CMIG | CUNA Mutual Insurance Group |
| CMO | Collateralized Mortgage Obligation |
| COE | Cost of Equity |
| COLA | Cost of Living Adjustment |
| COO | Chief Operations Officer |
| CPA | Certified Public Accountant |
| CP-G | Connecting Point – Greeley |
| CPI | Collateral Protection Insurance, Consumer Price Index |
| CPS | Corporate Protective Services |
| CPS | Card Processing Systems |
| CPSC | Consumer Product Safety Commission |
| CRA | Community Reinvestment Act |
| CTR | Currency Transaction Report |
| CU | Credit Union, Consumers Union |
| CUES | Credit Union Executives Society |
| CULAC | Credit Union Legislative Action Committee |
| CUMAA | Credit Union Membership Access Act |
| CUNA | Credit Union National Association now America’s Credit Unions (ACU) |
| CUSO | Credit Union Service Organization |
| DES | Data Encryption Standard |
| DFAS | Defense Finance and Accounting Service |
| DFI | Depository Financial Institution |
| DI | Depository Institution |
| DOJ | Department of Justice |
| DOL | Department of Labor |
| DR | Disaster Recovery |
| DRIP | Dividend Reinvestment Plan |
| DRP | Disaster Recovery Plan |
| EBP | Electronic Bill Payment |
| ECOA | Equal Credit Opportunity Act |
| EDP | Electronic Data Processing |
| EEOA | Equal Employment Opportunity Act |
| EEOC | Equal Employment Opportunity Commission |
| EFT | Electronic Funds Transfer |
| EFTPS | Electronic Federal Tax Payment System |
| EIC | Earned Income Credit |
| EIN | Employer Identification Number |
| EITC | Earned Income Tax Credit |
| EPA | Environmental Protection Agency |
| ERISA | Employee Retirement Income Security Act of 1974 |
| ET | Secure Electronic Transaction |
| FACTA | Fair and Accurate Credit Transaction Act |
| FASB | Financial Accounting Standards Board |
| FBI | Federal Bureau of Investigation |
| FCC | Federal Communication Commission |
| FCU | Federal Credit Union |
| FDIC | Federal Deposit Insurance Corporation |
| FEMA | Federal Emergency Management Agency |
| FFIEC | Federal Financial Institutions Examination Council |
| FHA | Federal Housing Administration |
| FHFB | Federal Housing Finance Board |
| FHLB | Federal Home Loan Bank |
| FHLMC | Federal Home Loan Mortgage Corporation (Freddie Mac) |
| FICA | Federal Insurance Contribution Act |
| FinCEN | Financial Crimes Enforcement Network |
| FIRREA | Financial Institutions Reform, Recovery and Enforcement Act |
| FISCU | Federally Insured State Credit Union |
| FLSA | Fair Labor Standards Act |
| FmHA | Farmers Home Administration |
| FMLA | Family Medical Leave Act |
| FNMA | Federal National Mortgage Association (Fannie Mae) |
| FOI(A) | Freedom of Information Act |
| FOM | Field of Membership |
| FOMC | Federal Open Market Committee |
| FPA | Flexible Premium Annuity |
| FPR | Financial Performance Report |
| FR | Federal Reserve |
| FRAP | Floating Rate Asset Program |
| FRB | Federal Reserve Bank |
| FRFS | Federal Reserve Financial Services |
| FTC | Federal Trade Commission |
| FTE | Full Time Employee |
| FUTA | Federal Unemployment Tax Act |
| FY | Fiscal Year |
| GAAP | Generally Accepted Accounting Principles |
| GAAS | Generally Accepted Auditing Standards |
| GAC | Governmental Affairs Conference |
| GAO | Government Accounting Office |
| GDP | Gross Domestic Product |
| GFE | Good Faith Estimate |
| GLBA | Gramm, Leach, Bliley Act of 1999 |
| GNP | Gross National Product |
| GSA | Government Services Administration |
| GSE | Government Sponsored Enterprise |
| HCE | Highly Compensated Employee |
| HEL | Home Equity Loan |
| HELOC | Home Equity Line of Credit |
| HIPAA | Health Insurance Portability and Accountability Act of 1996 |
| HMDA | Home Mortgage Disclosure Act |
| HOEPA | Home Ownership and Equity Protection Act of 1994 |
| HTM | Hold to Maturity |
| HUD | Department of Housing and Urban Development |
| IBAA | Independent Banks Association of America |
| IMF | International Monetary Fund |
| INS | Immigration and Naturalization Service |
| IRA | Individual Retirement Arrangement (or Account) |
| IRC | Internal Revenue Code |
| IRPS | Interpretive Ruling and Policy Statement |
| ISO | International Standards Organization |
| JHA | Jack Henry & Associates |
| LAN | Local Area Network |
| LLC | Limited Liability Company |
| LLP | Limited Liability Partnership |
| LO | Loan Officer |
| LOC | Line of Credit |
| LP | Loan Protection (Insurance) |
| LRC | Legislative Research Council |
| LTV | Loan to Value |
| MBI | Mechanical Breakdown Insurance |
| MBL | Member Business Loan |
| MBS | Mortgage Backed Securities |
| MICR | Magnetic Ink Character Recognition |
| MIP | Membership Identification Policy |
| MLCA | Money Laundering Control Act of 1986 |
| MMA | Money Market Account |
| MMDA | Money Market Demand Account |
| MO | Money Order |
| MSA | Medical Savings Account |
| MSA | Metropolitan Statistical Area |
| MSAs | Mandatory Supervisory Actions |
| MSR | Member Service Representative |
| MSRP | Manufacturer’s Suggested Retail Price |
| MTD | Month to Date |
| MVi | Millennial Vision |
| MVPE | Market Value of Portfolio Equity |
| MWCUA | Mountain West Credit Union Association |
| NACHA | National Automated Clearing House Association |
| NAFCU | National Association of Federal Credit Unions now ACU |
| NAHA | National Affordable Housing Act |
| NASCUS | National Association of State Credit Union Supervisors |
| NASD | National Association of Securities Dealers |
| NAV | Net Asset Value |
| NBFI | Nonank Financial Institution |
| NCCO | NAFCU Certified Compliance Officer |
| NCIB | Net Income on Clearing Balances |
| NCUA | National Credit Union Administration |
| NCUSIF | National Credit Union Share Insurance Fund |
| NEV | Net Economic Value |
| NFCC | National Foundation for Credit Counseling |
| NFIP | National Flood Insurance Program |
| NFPA | National Fire Protection Association |
| NHCE | NonHighly Compensated Employee |
| NSF | Non Sufficient Funds |
| NTSB | National Transportation Safety Board |
| NWR | Net Worth Ratio |
| NWRP | Net Worth Restoration Plan |
| NYSE | New York Stock Exchange |
| OCC | Office of the Comptroller of the Currency |
| ODFI | Originating Depository Financial Institution |
| OFAC | Office of Foreign Asset Control |
| OMB | Office of Management and Budget |
| OSHA | Occupational Safety and Health Administration |
| P&A | Purchase and Assumption |
| PAC | Political Action Committee |
| PCA | Prompt Corrective Action |
| PDFI | Participating Depository Financial Institution |
| PFI | Primary Financial Institution |
| PIN | Personal Identification Number |
| PMI | Private Mortgage Insurance |
| PMSA | Primary Metropolitan Statistical Area |
| POS | Point of Sale |
| PPI | Producer Price Index |
| RBNW | Risk Based Net Worth |
| RD | Regional Director (NCUA) |
| RDFI | Receiving Depository Financial Institution |
| REFCO | Resolution Funding Corporation |
| REMIC | Real Estate Mortgage Investment Conduit |
| RESPA | Real Estate Settlement and Procedures Act |
| RFP | Request for Proposal |
| ROA | Return on Assets |
| ROE | Return on Equity |
| RSA | Rate Sensitive Assets |
| RSF | Rate Sensitive Funds |
| RTC | Resolution Trust CorporatioSAR |
| SBA | Small Business Administration |
| SCRA | Servicemembers’ Civil Relief Act |
| SCUAP | Small Credit Union Assistance Program |
| SDN | Specially Designated Nationals |
| SEC | Securities and Exchange Commission |
| SEG | Select Employee Group |
| SEMP | Stock Exchange Medallion Program |
| SEP | Simplified Employee Plan |
| SEPP | Simplified Employee Pension Plan S |
| SFAS | Statement of Financial Accounting Standard |
| SFHA | Special Flood Hazard Area |
| SIMPLE | Savings Incentive Match Plan for Employees |
| SMBS | Stripped Mortgage Backed Securities |
| SMSA | Standard Metropolitan Statistical Area |
| SSA | Social Security Administration |
| SSCRA | Soldiers’ and Sailors’ Civil Relief Act |
| SSI | Supplemental Security Income |
| TAAPS | Treasury’s Automated Auction Processing System |
| TIAC | Thrift Institutions Advisory Council |
| TILA | Truth In Lending Act |
| TIN | Taxpayer Identification Number |
| TIP | Treasury Investment Program |
| TIPS | Treasury Inflation Protection Securities |
| TISA | Truth in Savings Act |
| UBIT | Unrelated Business Income Tax |
| UCC | Uniform Commercial Code |
| USPAP | Uniform Standards of Professional Appraisal Practices |
| VA | Veteran’s Administration |
| VAP | Volunteer Achievement Program |
| VAR | Value Added Reseller |
| VEVRAA | Vietnam Era Veterans’ Readjustment Assistance Act |
| VLP | Volunteer Leadership Program |
| WAL | Weighted Average Life |
| YTD | Year To Date |
| ZCB | Zero Coupon Bond |
AirTeller Online Banking
Business Hours
Lobby
Monday – Friday
8:30 a.m. – 5 p.m.
Saturday
Closed
Closed Sundays & Federal Holidays
Drive-Up
Monday – Friday
7:30 a.m. – 5:30 p.m.
Saturday
9 a.m. – Noon
Branch Location
120 W. Carlson St.
Cheyenne, WY
Mailing Address
PO Box 20030
Cheyenne, WY
82003-7000
Phone Numbers
307-432-7400
800-584-9366
Text – SMS
307-432-7400