b'GOOD TO KNOWFINANCIAL TERMS401K Credit scoreA retirement savings plan A number that helps lenders established by an employer assess how well you have where employees set aside a managed your financial portion of pay in an account obligations. It is used to that earns interest.determine the likelihood of a member paying back their loan Annual percentage yieldversus defaulting on it. (APY)Debit cardThe rate actually earned or paid in one year, taking into accountA card used to pay for goods the effect of compounding. (Forand services directly from a example, an account earningshare-draft/checking account. a rate of 2% may actually yieldA debit card transfers funds about 2.02% in a year becauseelectronically from a share-of compounding interest). draft/checking account to the merchant to pay for a purchase.Annual percentage rate(APR)APR is an annualized representation of your interest rate. When deciding between loan products, APR can help you decide which product has better value. If your loan has a 10% APR, youll pay $10 per $100 you borrow, annually.42'