Type
Crossword
Description

Where are the Downtown branch stats located? Sharepoint
This can be done by refinancing a loan or lowering monthly payments. MemberSavings
It is important to take your time to fully understand the member's ______. Needs
Trust, financial security, and achieving dreams are all reasons member savings are important for the ______. Members
One of the things employees gain as a direct result of member savings is. OurBenefits
As a direct result of member savings, the Credit Union will continue to ______. Grow
Credit reports, applications, prescreens, transaction history, and onboarding are all _______ to save our members money! Opportunities
Calculates interest savings for members on existing loans. Rescue Rate
This calculator provides total balance and weighted interest rate for multiple debts. Consolidating Debt
The tool to track savings and earnings opportunities can be found here. TheLoop
These types of opportunities are often in plain sight. Missed

Credit 101 Crossword

Type
Crossword
Description

How many credit bureaus are there Three
Buy item on credit Finance
charge for borrowing money Interest
Installment Contract Loan
First Credit Card Dinnersclub
Credit Risk Credit Score
List of account and payment history Credit Report
open ended account Revolving
Second person on contract Co-Signer
Past due Delinquent
Relief of debt Bankruptcy
sold debt Collection
national credit reporting agencies Credit Bureaus
when bill is due Due date
Lawsuit for debt Judgement
Open ended offer to borrow Line of Credit
property taken back by creditor Reposession
loan with collateral Secured Credit
Current stat of account Status
Interest amount that adjusts Variable Rate

Financial Literacy Crossword

Type
Crossword
Description

a sum of money that is borrowed and expected to be paid back with interest in a specified time frame Loan
the amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets Interest Rate
the annual rate that is charged for borrowing Annual Percentage Rate
a card that allows customers to access their funds immediately from their checking account Debit Card
a card that can be used at a store, restaurant, online, etc. that allows the cardholder to make a purchase immediately but then pay back the money later Credit Card
a card that usually does not charge interest; however it requires the cardholder to pay off his/her balance in full every month Charge Card
contains information about your credit such as loan paying history and the status of your credit accounts. Lenders use these reports to make lending decisions Credit Report
the sense of regret after buying something Buyers Remorse
allows you to track your income and your expenses Budget
a nonprofit-making money cooperative whose members can borrow from pooled deposits at low interest rates Credit Union
an amount of money that you owe to a person, bank, or company Debt

Personal Finance Crossword

Type
Crossword
Description

median on exchange currency
debt instrument issued for a period of more than a year bonds
trusted payment credit
lending; a grant loan
putting money to use by purchase or expenditure investing
monetary payment; received for good or services income
a share, right, or title in the ownership of property interest
preserving saving
supply of goods kept on hand for sale to customers by a merchant stocks
the amount charge interest rate
an estimate often itemized of expected income and expenses budget

credit & debt vocabulary Crossword

Type
Crossword
Description

fee charged by a credit card company for the use of their credit card annual fee
cost of borrowing money on an annual basis; takes into account the interest rate and other related fees on a loan APR
tool used to finance a purchase credit card
preferred method of debt repayment; includes a list of all debts organized from smallest to largest balance; minimum payments are made to all debts except for the smallest, which is attacked with the largest possible payments debt snowball
type of card, often bearing the seal of a major credit card company, issued by a bank and used to make purchases. unlike a credit card, the money comes directly from a checking account; also called a check card debit card
act of combining all debts into one monthly payment, typically extending the terms and the length of time required to pay the debt debt consolidation
a fee for the cost of credit or borrowing finance charge
process by which the holder of a mortgage sells the property of a homeowner who has not made interest and/or annual payments on the time as stipulated in the mortgage contract forclose
time period during which a borrower can pay full balance of credit due with no finance charges grace period
interest rate charged to a customer during the initial stages of a loan introductory rate
amount of money a credit card company issues to the borrower credit limit
a decline in the value of property; opposite of appreciation depreciation
a long-term rental agreement, and a form of secured long-term debt lease
the length of a loan loan term
information that has been passed on but is not true myth
your belief system; the way you see or perceive things paradigm
expense that a taxpayer is allowed to deduct from a taxable income; examples include money paid as home mortgage interest and charitable donations tax deduction

Personal Finance Crossword

Type
Crossword
Description

Income, especially when of a company or organization and of a substantial nature. Revenue
An estimate of income and expenditure for a set period of time Budget
The proportion of a loan is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding. Interest Rates
Money paid regularly at a particular rate of the use of money lent, or for delaying the repayment of a debt. Interest
The capital raised by a business or a corporation through the issue and subscription of shares. Stocks
A certificate issued by a government or a public company promising to repay borrowed money at a fixed rate of interest at a specified time Bonds
A system of money in general use in a particular country. Currency
Borrow (a sum of money or item of property). Loan
Expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property, or by using it to develop a commercial venture. Investing
Money received, especially on a regular basis, for work or through investments. Income
Pay out (money) in buying or hiring goods and services. Spending
The money one has saved, especially through a bank or official scheme. Savings
The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. Credit

Personal Finance Vocabulary Crossword

Type
Crossword
Description

a savings plan designed to help set aside funds for future college costs. 529 Plan
the yearly interest rate charged on outstanding outstanding credit card balances. Annual Percentage Rate
the recording of financial transactions and exchanges. Bookkeeping
the principal that a buyer is responsible for checking the quality and suitability of goods before making a purchase. Caveat Emptor
interest calculated on both the principal and the accrued interest. Compound Interest
comparing the cost of two or more goods or services to find the best value. Cost Comparison
a record of an individual's past borrowing and payments. Credit History
an analysis made by a lender about a consumer's riskiness as a borrower. Creditworthiness
taking out one loan to cover a variety of debts, often with the goal of paying a lower interest rate overall. Debt Consolidation
a law that protect consumers from being discriminated against due to race, sex, marital status, religion or age when obtaining credit. Equal Credit
helps protect consumers by steeling established procedures for resolving credit billing. Fair Credit Billing Act
a federal agency established in 1914 that administers consumer protection legislation. Federal Trade
a relationship that requires financial dependence, contribution and communication Financial partnership
a legal process in which a mortgaged property is taken because the borrower has failed to keep up payments. Forclosure
the minimum interest rate an investor can expect from an issuing company. GuaranteedInterest
Insurance to help protect a mortgage lender in the event a borrower cannot make payments PMI
illegal schemes pyramid schemes
a period of economic decline Recession
benefits and bonuses offered to customers to entice them to open a card Rewards
insurance or investments offered by the government. SIPC

Personal Finance Chapters 1 and 2 Crossword

Type
Crossword
Description

All of the decisions and activities of an individual or family regarding their money, including spending, saving, budgeting, etc. Personal Finance
An obligation of repayment owed by one party (debtor/borrower) to a second party (creditor/lendor) Debt
A fee paid by a borrower to the lender for the use of borrowed money Interest
The granting of a loan and the creation of a debt; any form of deferred payment Credit
A system by which goods and services are produced and distributed Economy
A person or organization that buys/uses goods or services Consumer
A debt evidenced by a "note," which specifies the principal amount, interest rate, and date of repayment Loan
The knowledge and skillset necessary to be an informed consumer and manage finances effectively Financial Literacy
Interest paid on interst previously earned Compound Interest
An account that generates interest income on the available balance in the account Interest-Bearing
The five steps to financial success Five Foundations
The persistent increase in the cost of goods and services or the persistent decline in the purchasing power of money Inflation
Saving money over time for a large purchase Sinking Fund
A savings account that is set aside to be used only for emergency expenses Emergency Fund
A rate which is either charged (on debt) or paid (on investment accounts) for the use of money Interest Rate

Loans Crossword

Type
Crossword
Description

The longest term TLC/FFCU will lend on a RV/Boat loan TEN
This loan interest may be tax deductable HELOC
We dont judge this when we you are applying for a Auto Loan. Credit Score
This loan offers no annual fee,no balance transfer fee, and no cash advnce fee credit card
A good loan to use for a wedding or debt consolidation. Personal Loan
This loan has an intrest rate of 9.99% PLOC
Which Visa has an introductory rate of 1.9% APR? Platinum
The program we use with dealerships for auto loans CUDL
What we want our members to do if the have loans other places! refinance
When a member walks in and we are available we say I can help you

Show Me the Money!! Crossword

Type
Crossword
Description

Services such as water, heating, and electricity ultilites
The value of an investment or loan on date before the end of the term present value
The value of an investment or loan Principal
Someone who rents accommodations tenant
A feature of a calculator that is used for financial calculations TMV
The value of an investment or loan at the end of the term Future value
The percent by which an investment increases or decreases in value over a given time Growth rate
The number that is multiplied by the principal when calculating its accumulated value Growth factor
Total earning before deductions Growth earnings
Total assets (wealth) minus total liabilites (debt) Net worth
Total earnings less all payroll deductions from a total area Net earnings
Regularly occuring expenses that are the same from on time period to the next Fixed expenses
A series of equal payments or deposites paid at regular intervals over a fixed period of time annutity
The rate at which the value of an item increases over time. Appreciation rate
Expenses shared by all owners of a condominium complex common fees
An organized income spending plan budget
The time frame for which the calculation of a morgage payment is determined amoritizations period
A person or organization that lends money creditor
To sell an invenstment at a value less than its usual price discount
The rate at which the value of an item decreases over time Depreciation rate
The interest paid on the principal and its accumulating interest compund interest
The length of time for which interest is calcuated before being accumulated compounding period
A single loan obtained to pay off multiple loans consolidation loan
Half the monthy payment is paid every two weeks accelerated bi-weekly payment
One quarter of the monthly payment is paid each week accelerated weekly payment
Expenses that may change in frequency and/or amount from one time period to the next. i.e. food variable expenses

Personal Finance Definitions Crossword

Type
Crossword
Description

expenses beyond your regular monthly spending (Emergencies, vacations, social events, repairs, major purchases). Short-term needs
expenses that are costly and need years of planning and saving. Long-term needs
cash allowances awarded to students to help pay for education costs Scholarships
money may be borrowed for your education in the form of student loans
All students loans are combined into one large loan, which results in one monthly payment, rather than many payments. Loan consolidation
Forms of educational funding that do not have to be repaid and usually do not require students to maintain certain standards Grants
students can work at the campus or other college location to earn money work-study
the amount of money you deposit into your savings account principal
a deposit that earns a fixed interest rate for a specified length of times certificate of deposit
a measure of how quickly you can get your cash without loss of value. Liquidity
the date on which an investment becomes due for payment. maturity date
type of savings account that offers a more competitive interest rate than a regular savings account money market account
you are guaranteed not to lose your savings deposit, even if the blank or other financial institution fails and goes out of business safety of principal
your net pay is electronically deposited into your bank account direct deposit
represent money you have authorized your bank or other organization to move from one account to another at regular intervals Automatic deductions
a plan in which you authorize your employer to make automatic deductions from your paycheck each pay period payroll savings plan