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!*

January:

Understanding Debt-to-Income Ratio - Learn what the ratio is and how you can calculate your own.

Key Differences Between Credit Unions and Banks - Break down the differences between the two types of financial institutions.

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1. Because Credit unions are member-owned, they return profits to their members in the form of better rates and lower fees. :

2. Banks tend to have more proprietary ATMs, due to having more branch locations. :

3. The technology behind APCI eStatements allows you to take a picture of a check and securely deposit it using the APCI eBanking app, eliminating the need to travel to the Credit Union or an ATM. :

4. Lenders rely on a borrower’s debt-to-income ratio when reviewing credit applications, as it is an important measure of a borrower’s ability to take on additional financial responsibility. :

5. Having a debt-to-income ratio between 39% and 49% is considered favorable as you likely have sufficient funds remaining each month after paying your bills. :

6. When calculating your debt-to-income ratio you should use your monthly income after taxes and deductions. :

*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!*

January: