Making Sense of your Cents cover art

Making Sense of your Cents

Making Sense of your Cents

By: First Century Bank
Listen for free

About this listen

Feeling overwhelmed by your finances? Wish you could get clear, simple advice from a trusted source? Welcome to "Making Sense of your Cents," the weekly podcast from First Century Bank that gives you actionable financial tips.


Join hosts Daniel Hill and Shanna Browning as they cut through the confusing jargon to help you build financial confidence. Whether you're looking to understand your credit score, create a budget that actually works, spot the difference between APY and APR, or protect yourself from scams, we're here to help.


Our mission is to empower our community with friendly, practical money knowledge. Subscribe now and start making sense of your cents, one simple tip at a time.

© 2025 First Century Bank Personal Development Personal Success
Episodes
  • Your Credit Score Explained

    Your Credit Score Explained
    Nov 4 2025

    Your three-digit credit score holds incredible power over your financial life, affecting everything from loan rates to insurance premiums. But how is it actually calculated? In this deep dive, we pull back the curtain on the credit score formula, breaking down the five key ingredients that make up your score and revealing which ones matter most. We'll also bust common myths, like why you don't need to carry a credit card balance to build credit, and provide simple, practical habits you can start today to build a positive history.

    Subscribe today and send your questions to podcast@fcbtn.com.
    Show More Show Less
    11 mins
  • APR vs. APY: What's the Difference?

    APR vs. APY: What's the Difference?
    Nov 4 2025

    APR and APY sound almost the same, but one costs you money while the other makes you money. In this episode, Daniel and Shanna demystify these common but confusing acronyms with clear, real-world examples. We'll explore what APR (Annual Percentage Rate) really means for borrowers and why it includes more than just the interest rate. Then, we'll flip the script to explain how APY (Annual Percentage Yield) accounts for the magic of compounding interest, helping your savings grow faster. This is a foundational episode that will make you a smarter consumer and a more effective saver.

    Subscribe today and send your questions to podcast@fcbtn.com.
    Show More Show Less
    12 mins
  • Welcome to Making Sense of your Cents

    Welcome to Making Sense of your Cents
    Nov 4 2025

    Welcome to "Making Sense of Your Cents," the new podcast from First Century Bank. Have you ever felt intimidated by financial jargon? Join hosts Daniel Hill and Shanna Browning as they break down complex topics into clear, useful information.

    In our first episode, we share our story. Get to know your hosts and discover the deep community roots of First Century Bank, which began in Tazewell, TN, in 1894 as Claiborne National Bank. Learn the powerful legacy of former president Glenn Yoakum, the man whose life of service inspired the "Mighty Oak" in our logo.

    This podcast is our modern promise to help our community stay safe and be successful through education. This is your podcast, and we want to discuss what matters to you.

    Subscribe today and send your questions to podcast@fcbtn.com.
    Show More Show Less
    13 mins
No reviews yet
In the spirit of reconciliation, Audible acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.