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Take our quiz to see how epic your adulting skills really are. Then share your results and challenge your friends to see who is more adult.

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What time do you get up in the morning?

  1. Between 6AM-8AM
  2. Between 8AM-10AM
  3. Between 10AM-11AM
  4. I don’t even.

Which of the following describes your Friday night when you’re low on cash?

  1. I can probably afford take out.
  2. I should stay in and stream a movie.
  3. I will go out no matter what.
  4. Low on cash? LOL. I’m out of cash.

You get a credit card. How do you make payments on the balance?

  1. I pay once a month in full.
  2. I pay the minimum, usually.
  3. I don’t. My parents do. I think.
  4. Wait, what? You have to pay that back?

You start getting a sore throat and running a low-grade fever. What do you do?

  1. Go to the health center immediately.
  2. Take some medicine and lay low.
  3. Curl up into a ball and cry.
  4. Google it and become convinced my symptoms are terminal.

After grocery shopping, you look at your receipt and notice you were overcharged by $5.00. What do you do?

  1. Go back to the store and ask for my money back.
  2. It’s just five dollars. I’ll survive.
  3. I never check my receipt.
  4. I’ve never been grocery shopping.

How often do you wash your clothes?

  1. Whenever I run out of things to wear.
  2. When they start to smell.
  3. I don’t. I just buy more.
  4. I take them home for mom to wash.

You see an adorable puppy up for adoption at a pet store. What do you do?

  1. Play with it but don’t adopt it.
  2. Ask if I can keep it for a week.
  3. Don’t make eye contact and try to avoid it.
  4. Immediately take it home.

You have work in the morning at 8:00, but it’s your friend’s birthday party tonight. What do you do?

  1. Tell them I’m sorry but I have to get up early.
  2. Celebrate with them for only an hour or two.
  3. Party all night and try to make it in to work.
  4. Skip both.

Your vehicle’s making a weird noise. What do you do?

  1. Take it to the shop as soon as I can.
  2. Call Dad.
  3. Ignore the sound until the engine won’t start.
  4. I don’t drive. I roll on two wheels.

What’s a credit union?

  1. It’s a union that offers credit.
  2. It’s some type of bank for farmers.
  3. Actually, I have no clue.
  4. It’s a member-owned not-for-profit financial institution that offers financial services such as savings and checking accounts, loans and credit cards.
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* 1.35% Annual Percentage Yield (APY) on the first $20,000 and .30% APY on balances greater than $20,000 subject to the following qualifying factors (the “Qualifying Factors”) being met during each statement cycle: i) 12 debit card transactions must clear through your account during the cycle; ii) one direct deposit or other ACH credit or withdrawal must clear through your account during the cycle; iii) one login to Internet Banking or MyOCCU Mobile during the cycle; and iv) maintain active enrollment in eStatements during the cycle. If one or more of the Qualifying Factors are not met, you will receive default interest of .05% APY for that statement cycle. APYs effective 09/01/2016 and subject to change at any time.

** Foreign ATM fees charged by non-OCCU and non-CO-OP financial institutions for the use of their ATMs will be automatically credited back to your account by OCCU at the end of the statement cycle. This credit is subject to meeting the Qualifying Factors. Statement cycle = first day of the calendar month to the last day of the calendar month. Example – May 1 – May 31.