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Federal Savings and Loan Association

A federally chartered bank that specializes in taking deposits for checking and savings accounts, as well as making home mortgages. Savings and loan associations tend to be smaller than other banks and are more focused on the local communities in which they operate. It is sometimes (but not always) easier to obtain a loan from a savings and loan association because it may have better knowledge of the local market. They derive most of their funds from customer savings accounts, but they also generally have easy access to loans from the Federal Home Mortgage Banks. They are also known as thrifts. They are regulated by the Office of Thrift Supervision.

thrift

A financial institution that derives its funds primarily from consumer savings accounts. The term originally referred to those institutions offering mainly passbook savings accounts. But the industry evolved through financial deregulation to the point where these accounts often provide only a small source of funds for many thrifts. The term often refers to savings and loan associations, but can also mean credit unions and mutual savings banks.
References in periodicals archive ?
Unashamedly retrospective, Cursing The Sea sounds like it could have been on the original C86 tape but then music is cyclical and they are but one of an army of fey shoegazers holding us in their thrall these days Fans of Lush, The Joy Formidable and our own favs Sea Pinks will surely dig September Girls - and they play the Menagerie, Belfast, tomorrow night.
Delighted to see relative newbies Little Bear, Ryan Vail, Sea Pinks, David C Clements and Go Wolf alongside the more established.
Sea Pinks Magpie Eyes M i E The best of the 60s' psychedelia with 80s' indie-pop mashed together by an instantly likeable Belfast four-piece.
Sea Pinks are an interesting prospect as kings of surf pop while completing the bill is SOAK, who I'd managed to not mention for.
It's the consummate pairing to the film with the cast and crew, Terri himself and, no doubt, a smattering of the old heads who made the scene what it was, getting down to some of the best new alternative music Northern Ireland has to offer including Girls Names, Documenta, Sea Pinks and Soaks.
The Belfast-based trio - and their alter-ego Sea Pinks - are purveyors of lusciously lo-fi indie gems that hark back to the days of C86.
Or that they sound like they've been raiding the same source material as our Favourite New Local Band TM Sea Pinks.