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.

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.

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.

What if your money made sense?

For many of us, the world of personal finance can feel complex and intimidating. That's why First Century Bank is launching "Making Sense of your Cents" on Tuesday, November 4th.

Join hosts Daniel Hill and Shanna Browning every week as they cut through the jargon to provide clear, actionable financial tips. Our mission is to empower our East Tennessee community with the confidence that comes from understanding your finances.

Here’s what you can do right now: Search for "Making Sense of your Cents" on Apple Podcasts, Spotify, or wherever you listen, and hit that “Subscribe” or “Follow” button.

By subscribing today, you ensure our first episode will be delivered to your device automatically the moment it goes live. Don’t miss the start of this new conversation. Subscribe now, and get ready to finally make some sense of your cents.

Subscribe today and send your questions to podcast@fcbtn.com.