2026 Financial Literacy APCI ePapers Quiz

Financial Education for Your Everyday Needs

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

February:

5 Terms to Know When Using a Credit Card - Understanding these terms will help you make informed decisions while using your credit cards.

10 Financial Resolutions for 2026- Follow the ten resolutions that will benefit your wallet this year.

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1. An employer’s 401(k) match is often referred to as “free money” because it requires no additional effort beyond making regular contributions, which in most cases are deducted automatically from your pay. :

2. Using a debt payoff calculator and learning about strategies, such as the snowball or avalanche method, can help you develop a clear realistic plan to pay down debt. :

3. A common guideline is to aim to have one to three months’ worth of essential expenses set aside in an easily accessible account. :

4. Financial experts generally recommend keeping credit utilization at or below 50% to support a healthier credit profile. :

5. Credit card balance transfers can provide an opportunity to temporarily reduce interest costs and pay down debt more efficiently. :

6. A cosigner on a credit card is obligated to make payments if the primary cardholder is unable to do so. :

*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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Financial Education for Your Everyday Needs

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

February: