2026 Financial Literacy APCI ePapers Quiz

Read our monthly research papers and complete the review quiz to be entered to win $25!*

Credit Card Tips to Share With Teens - Understand where to start and learn how credit works.

How to Use Your Home’s Equity For Your Financial Future - Learn how the equity in your home can help you reach a financial goal.

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1. HELOCs are often used when there is a need for a large, single-time payment. :

2. A HELOC functions more like a revolving line of credit, using your home as the collateral. :

3. A home equity loan is generally best suited for projects with a defined cost, such as a kitchen remodel. :

4. Building healthy financial habits early in life can help teens to avoid debt, establish strong credit, and make informed financial decisions throughout adulthood. :

5. Making only the minimum payment on a credit card balance often results in no additional interest charges. :

6. A secured credit card allows the cardholder to provide collateral, typically through a savings deposit, and borrow against it. :

*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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Read our monthly research papers and complete the review quiz to be entered to win $25!*