2026 Monthly APR DQ Dates:
January (01/01/25-12/31/25), February (02/01/25-01/31/26), March (03/01/25-02/28/26), April (04/01/25-03/31/26), May (05/01/25-04/30/26), June (06/01/25-05/31/26), July (07/01/25-06/30/26), August (08/01/25-07/31/26),
September (09/01/25-08/31/26), October (10/01/25-09/30/26), November (11/01/25-10/31/26), December (12/01/25-11/30/26)