FiCEP Practice Test
Updated for October 2026What changed for the FiCEP / CCUFC exam in 2026
- FiCEP is now run by America's Credit Unions (the merged CUNA and NAFCU). The old cuna.org/ficep address redirects to the Certified Credit Union Financial Counselor (CCUFC) designation page, and the program is aimed at credit union employees in counseling, collections and lending roles. (source)
- 2026 exam window: the proctored FiCEP exam (including retakes) can be taken January 1 - December 18, 2026. The 6th Edition FiCEP book and the recorded eSchool are valid through December 31, 2026. (source)
- Two ways to certify: self-study with the FiCEP 6th Edition book (print or PDF) or the FiCEP eSchool. The live 2026 eSchool runs June 4 - August 14, 2026 (nine 90-minute webinars plus two exam-review sessions covering all 60 chapters); an on-demand recording is included. (source)
- 2026 pricing (USD): 6th Edition book or PDF is $605 for America's Credit Unions members ($484 small credit unions / league staff, $544.50 Councils) and $1,154 for non-members, and each purchase includes one complimentary exam attempt. The FiCEP eSchool 2026 is $1,895 member / $3,790 non-member (free with a CPD eSchools & Webinars subscription). (source)
- Exam logistics: submit the proctored exam request form at least two weeks before your test date; choose ProctorU online proctoring ($30 proctor fee, schedule 72 hours ahead, available 24/7) or an approved independent proctor. The default exam duration is two hours, questions are multiple choice or true/false, closed book, and results post to your transcript within 48 hours. (source)
- Failed attempt: retakes cannot happen immediately; request a retake via the exam request form at least two weeks ahead and the credit union is invoiced $50 per retake (plus any new proctor fee). The FAQ was revised September 14, 2026. (source)
- Recertification: the CCUFC designation must be renewed every 3 years by reading the FiCEP 7th Edition Recertification book ($300 member / $568 non-member PDF) or attending the Recertification eSchool, then passing a 10-question open-book knowledge check; the designation updates within 48 hours. The 7th Edition recertification book is valid through December 31, 2028. (source)
- Time commitment: most learners finish certification in 3 to 6 months, depending on the format they choose. (source)
Last verified: September 17, 2026 against America's Credit Unions (americascreditunions.org).
The FiCEP exam is administered by CUNA (now America's Credit Unions). Earning your CCUFC certification distinguishes you as a trusted advisor capable of helping members navigate financial challenges and achieve their goals. Start with our free FiCEP practice test below — the same content credit union staff used to call the CUNA practice test before the CUNA/NAFCU merger.
FiCEP Practice Test Questions
Prepare for the FiCEP - Financial Counseling Certification Program exam with our free practice test modules. Each quiz covers key topics to help you pass on your first try.
FiCEP Bankruptcy and Insolvency
FiCEP Exam Questions covering Bankruptcy and Insolvency. Master FiCEP Test concepts for certification prep.
FiCEP Budgeting and Cash Flow
Free FiCEP Practice Test featuring Budgeting and Cash Flow. Improve your FiCEP Exam score with mock test prep.
FiCEP Consumer Protection Laws
FiCEP Mock Exam on Consumer Protection Laws. FiCEP Study Guide questions to pass on your first try.
FiCEP Counseling Ethics and Behaviors
FiCEP Test Prep for Counseling Ethics and Behaviors. Practice FiCEP Quiz questions and boost your score.
FiCEP Credit Reports and Scoring
FiCEP Questions and Answers on Credit Reports and Scoring. Free FiCEP practice for exam readiness.
FiCEP Debt Management Strategies
FiCEP Mock Test covering Debt Management Strategies. Online FiCEP Test practice with instant feedback.
FiCEP Effective Communication Skills
Free FiCEP Quiz on Effective Communication Skills. FiCEP Exam prep questions with detailed explanations.
FiCEP Elder Financial Abuse
FiCEP Practice Questions for Elder Financial Abuse. Build confidence for your FiCEP certification exam.
FiCEP Ethics and Behaviors
FiCEP Test Online for Ethics and Behaviors. Free practice with instant results and feedback.
FiCEP - Financial Counseling Certification...
Free FiCEP Test covering - Financial Counseling Certification Program Budgeting and Cash Flow Questions and Answers. Practice and track your FiCEP exam readiness.
FiCEP - Financial Counseling Certification...
FiCEP Exam Questions covering - Financial Counseling Certification Program Consumer Protection Laws Questions and Answers. Master FiCEP Test concepts for certification prep.
FiCEP - Financial Counseling Certification...
Free FiCEP Practice Test featuring - Financial Counseling Certification Program Counseling Ethics and Behaviors. Improve your FiCEP Exam score with mock test prep.
FiCEP - Financial Counseling Certification...
FiCEP Mock Exam on - Financial Counseling Certification Program Credit Reports and Scoring Questions and Answers. FiCEP Study Guide questions to pass on your first try.
FiCEP - Financial Counseling Certification...
FiCEP Test Prep for - Financial Counseling Certification Program Debt Management Strategies Questions and Answers. Practice FiCEP Quiz questions and boost your score.
FiCEP - Financial Counseling Certification...
FiCEP Questions and Answers on - Financial Counseling Certification Program Effective Communication Skills Questions and Answers. Free FiCEP practice for exam readiness.
FiCEP - Financial Counseling Certification...
FiCEP Mock Test covering - Financial Counseling Certification Program Financial Counseling Fundamentals. Online FiCEP Test practice with instant feedback.
FiCEP - Financial Counseling Certification...
Free FiCEP Quiz on - Financial Counseling Certification Program Handling Financial Difficulties Questions and Answers. FiCEP Exam prep questions with detailed explanations.
FiCEP - Financial Counseling Certification...
FiCEP Practice Questions for - Financial Counseling Certification Program Investment and Retirement Basics Questions and Answers. Build confidence for your FiCEP certification exam.
FiCEP - Financial Counseling Certification...
FiCEP Test Online for - Financial Counseling Certification Program Taxes and Insurance Questions and Answers. Free practice with instant results and feedback.
FiCEP Financial Counseling Fundamentals
FiCEP Study Material on Financial Counseling Fundamentals. Prepare effectively with real exam-style questions.
FiCEP Financial Psychology and Behavior Ch...
Free FiCEP Test covering Financial Psychology and Behavior Change. Practice and track your FiCEP exam readiness.
FiCEP Fundamentals
FiCEP Exam Questions covering Fundamentals. Master FiCEP Test concepts for certification prep.
FiCEP Handling Financial Difficulties
Free FiCEP Practice Test featuring Handling Financial Difficulties. Improve your FiCEP Exam score with mock test prep.
FiCEP Housing and Mortgage Counseling
FiCEP Mock Exam on Housing and Mortgage Counseling. FiCEP Study Guide questions to pass on your first try.
FiCEP Identity Theft and Fraud
FiCEP Test Prep for Identity Theft and Fraud. Practice FiCEP Quiz questions and boost your score.
FiCEP Insurance Planning
FiCEP Questions and Answers on Insurance Planning. Free FiCEP practice for exam readiness.
FiCEP Investment and Retirement Basics
FiCEP Mock Test covering Investment and Retirement Basics. Online FiCEP Test practice with instant feedback.
FiCEP Serving Specialized Populations
Free FiCEP Quiz on Serving Specialized Populations. FiCEP Exam prep questions with detailed explanations.
FiCEP Student Loan Counseling
FiCEP Practice Questions for Student Loan Counseling. Build confidence for your FiCEP certification exam.
FiCEP Taxes and Insurance
FiCEP Test Online for Taxes and Insurance. Free practice with instant results and feedback.
FiCEP Flashcards
Quick review for the Financial Counseling Certification Program
🧠What is the primary goal of financial counseling?
The primary goal is to help members improve their financial well-being by developing responsible money management habits and decision-making skills.
START FICEP PRACTICE TEST📉What is a debt-to-income (DTI) ratio?
DTI is a personal finance measure that compares an individual's monthly debt payment to their monthly gross income, expressed as a percentage.
REVIEW FICEP EXAM QUESTIONS🛡️What does the Truth in Lending Act (TILA) require?
TILA requires lenders to disclose credit terms and costs in a standardized way, including the Annual Percentage Rate (APR), to protect consumers.
ACCESS FICEP STUDY GUIDE💰What is a credit score?
A credit score is a numerical expression based on a level analysis of a person's credit files, representing the creditworthiness of an individual.
PRACTICE FICEP TEST NOW🏦What is Chapter 7 Bankruptcy?
Chapter 7 is a liquidation bankruptcy where non-exempt assets are sold to pay off creditors, wiping out most unsecured debts.
GET FICEP EXAM PREPFiCEP Exam Study Guide
Our FiCEP study guide breaks down the essential components of the Certified Credit Union Financial Counselor exam. Navigate through the tabs below to understand the basics, format, and key details for your FiCEP certification journey.
FiCEP Score Calculator
Total Scored Questions
150
105 out of 150 correct
70%
Required to Pass: ~70% (Estimated)
Most credit unions cover the full FiCEP certification cost for their staff as it directly benefits member service quality. Check with your HR department about tuition reimbursement, and use our FiCEP practice test free modules on this page to prepare before you commit to the paid proctored exam.
Free FiCEP Practice Test: From CUNA to America's Credit Unions
Most people searching for a free FiCEP practice test remember the program by its original name: the CUNA practice test. FiCEP (Financial Counseling Certification Program) was created and run for decades by CUNA, the Credit Union National Association. When CUNA merged with NAFCU in 2024 to form America's Credit Unions, the program kept its curriculum, its 6th Edition study book, and its CCUFC designation — only the parent organization's name changed. If you find older materials or forum posts calling it a "CUNA practice test" or "CUNA CCUFC exam," they refer to the exact same certification you see on this page today.
Our FiCEP practice test free question sets below mirror the real exam's structure: multiple-choice and true/false items pulled from the same 60 chapters covered in the official 6th Edition book, spanning budgeting, credit laws, debt management, insurance, taxes, and counseling ethics. Work through each topic tile, use the flashcards for quick review, and check the score calculator to see where you stand against the 70% passing threshold before you schedule your proctored FiCEP/CCUFC exam through America's Credit Unions or your state credit union league.
FiCEP Test Day Checklist
- ✓Valid Photo ID
- ✓Login Credentials
- ✓Reliable Internet
- ✓Webcam Tested
- ✓Quiet Environment
- ✓Calculator (if permitted)
- ✓Clear Desk Space
- ✓Water Bottle (Clear)
Ready to Get Certified?
Join thousands of successful credit union professionals who have enhanced their careers with the FiCEP certification. Start your practice today.
FiCEP: Pros and Cons
- +FiCEP exam preparation strengthens your knowledge across all domains
- +Passing the exam proves competency to employers and clients
- +Study materials and practice tests are widely available
- +Exam-based credentials are portable across states and employers
- +Clear exam objectives help focus your study plan effectively
- −Exam anxiety can affect performance — practice tests help reduce it
- −Registration fees are non-refundable if you miss your test date
- −Limited retake opportunities may apply with waiting periods
- −Exam content updates periodically — use current study materials
- −Testing center availability may require advance scheduling
Pros and Cons at a Glance
| Pros | Cons |
|---|---|
| FiCEP exam preparation strengthens your knowledge across all domains | Exam anxiety can affect performance — practice tests help reduce it |
| Passing the exam proves competency to employers and clients | Registration fees are non-refundable if you miss your test date |
| Study materials and practice tests are widely available | Limited retake opportunities may apply with waiting periods |
| Exam-based credentials are portable across states and employers | Exam content updates periodically — use current study materials |
| Clear exam objectives help focus your study plan effectively | Testing center availability may require advance scheduling |
Official Resources
- Certified Credit Union Financial Counselor (CCUFC) designation page — the official America's Credit Unions page describing the FiCEP curriculum, the CCUFC credential, and current program requirements.
- How to Certify (FiCEP/CCUFC) — step-by-step instructions for buying the 6th Edition book or eSchool, registering, and submitting your proctored exam request.
- Proctored Exam Procedures — the official rules for scheduling, ProctorU online proctoring, closed-book requirements, and result timing for the FiCEP exam.
FiCEP Questions and Answers
About the Author
Licensed Driving Instructor & DMV Test Specialist
Penn State UniversityRobert J. Williams graduated from Penn State University with a degree in Transportation Management and has spent 20 years as a certified driving instructor and DMV examiner consultant. He has personally coached thousands of applicants through written knowledge tests, skills assessments, and commercial driver licensing programs across more than 30 states.
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