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Holiday Closure Notice
In observance of Veterans Day on Wednesday, November 11, all branches and the contact center will be closed. Online and mobile banking are available 24/7.
We will resume normal business hours on Thursday, November 12.
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    Debt-to-Income Ratio (DTI)

    Debt-to-Income Ratio (DTI)

    A measure of how much of an individual's monthly income is consumed by debt payments.

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    A debt-to-income (DTI) ratio is a financial metric used to assess the financial health of an individual or household. It is calculated by dividing the total amount of debt that an individual has by their gross income (total income before taxes and other deductions).

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    If you have a gross income of $50,000 per year and total debts of $10,000 per year, your DTI ratio would be 20%. This means that 20% of your gross income is being used to pay off debts.

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    Digital Wallet

    A virtual wallet that allows users to store, manage, and use their payment and banking information securely

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    Pension

    A regular payment made from one's employer after retirement, based on factors such as length of employment and earnings.

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    eStatements

    An electronic version of a bank or credit union statement, which is a summary of an individual's account activity and current balance.

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