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(WalletHub) – With April being National Financial Literacy Month, the free credit score website WalletHub released its report on 2019’s Most & Least Financially Literate States as well as accompanying videos, which analyzes financial-education programs and consumer habits in each of the 50 states and the District of Columbia.

The study uses a data set of 17 key metrics, including the results of WalletHub’s WalletLiteracy Survey, which range from high-school financial literacy grade to share of adults with a rainy-day fund.

Most Financially Literate States               Least Financially Literate States
1 Virginia                                                           42 Rhode Island
2 Utah                                                                 43 South Dakota
3 New Hampshire                                            44 Hawaii
4 New Jersey                                                     45 Kentucky
5 Minnesota                                                      46 Oklahoma
6 Maryland                                                       47 New Mexico
7 Maine                                                             48 Delaware
8 Colorado                                                        49 Mississippi
9 North Dakota                                                50 Alaska
10 New York                                                     51 Louisiana

Key Stats
Massachusetts has the lowest share of residents who spend more than they earn, 13.29 percent, which is 1.7 times lower than in Delaware, the state with the highest at 22.67 percent.

North Dakota has the highest share of residents with rainy-day funds, 55.55 percent, which is 1.5 times higher than in West Virginia, the state with the lowest at 37.94 percent.

The District of Columbia has the highest share of residents who compare credit-card offers before applying, 45.96 percent, which is 1.7 times higher than in Minnesota, the state with the lowest at 26.42 percent.

Vermont and Minnesota have the lowest share of unbanked households, 1.50 percent, which is 10.5 times lower than in Mississippi, the state with the highest at 15.80 percent.

To view the full report and your state or the District’s rank, please visit: