Q: What is the difference between my available balance and current balance?

Your available balance is the amount of money in your account that is available for you to use. The available balance takes into account things like holds placed on deposits and pending transactions (such as pending debit card purchases) that the credit union has authorized but not yet posted to your account.

Your current balance is the amount of money in your account at any given time. It reflects payment transactions that have posted to your account but not payment transactions that have been authorized and are pending. It also reflects the full amount of all deposits, even though some portion of a deposit may be on hold and may not be available to you.