2025 Financial Literacy Podcast Quiz

Make Financial Literacy a Priority in 2025

Complete our August Podcast quiz for your chance to win $25.00!*

Episode 38: August 20, 2025 - Credit Cards 101 for Young Adults.

Presenters: Lori Floyd, APCI FCU Director of Marketing (Host), and our guest, Sarah Walter, APCI FCU Loan Services.

Episode 37: August 6, 2025 - What to look for before applying for credit.

Presenters: Lori Floyd, APCI FCU Director of Marketing (Host), and our guest, Pam Vargas, APCI FCU Loan Services.

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1. A higher credit score generally increases your chances of loan approval. :

2. It’s important that you review your Credit Report for errors or inaccuracies and be sure you dispute any discrepancies you find, as they can negatively affect your score. :

3. You can request a free credit report from all three credit reporting agencies at annualcreditreporter.com. :

4. When considering a credit card, you want to look for a card with a low interest rate, no annual fees, and rewards that align with your spending habits. :

5. Your credit report is a numerical representation of your creditworthiness, and it’s based on factors like your payment history, credit utilization, and length of credit history. :

6. You should aim to keep your credit card balance below 30% of your credit limit. This will show lenders that you are responsible with credit. :

*Members in good standing who complete the monthly APCI ePaper review quiz will be automatically entered to win one of four $25.00 cash prizes each month. There is a limit of one entry per individual member per month. Four random winners will be selected each month and will be notified. Members can only win one $25.00 account credit in a six-month period and can not win both monthly (Podcasts and APCI ePaper) drawings in the same month. APCI FCU staff, volunteers, and their immediate family or household are ineligible to win.

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Make Financial Literacy a Priority in 2025