[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-301740-105":53,"doc-detail-301740-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","january-2026-newsletter-auto-loan-refinance-special","January 2026 Newsletter - Auto Loan Refinance Special","","January 2026 Newsletter from AMERICO Federal Credit Union highlights member connection messages and multiple time-limited lending offers. It promotes Auto Loan refinance at 2.00% APR for January 1–31 with rates as low as 4.49% APR, plus a $50 Visa gift card with detailed eligibility and payment example terms. It also lists upcoming auto and 2nd mortgage/home equity specials with fee information, loan-department contact details, and American credit union mortgage/loan program updates. 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It advertises 2.00% APR off the current rate, with rates as low as 4.49% APR, and eligibility requirements apply including credit approval, membership, and timing for closing the refinance.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How can members qualify for the $50 Visa gift card during the Auto Loan Refinance Special?",{"text":113,"@type":109},"The loan must be refinanced and closed between 01-01-2026 and 01-31-2026, and the gift card is provided at the time of refinance. The offer requires membership and meeting lending criteria.",{"name":115,"@type":106,"acceptedAnswer":116},"What happens to dormant accounts according to the newsletter?",{"text":117,"@type":109},"Any account inactive for three years must be submitted to the Bureau of Escheats. The credit union charges a $5.00 monthly fee after 24 months of inactivity, and share draft accounts are subject to this fee after six months.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},301740,1790163389,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":76,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":73},5909892115043,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","MEMBER CONNECTION  \n“TOGETHER WE MAKE A DIFFERENCE.”  \nJANUARY 2026 Newsletter   \nAuto Loan Refinance Special January 1st through January 31st  \n2.00% APR* Off your current rate  \nfinanced from another lender Rates as low as 4.49% APR*  \n$50.00 VISA Gift Card  \n*APR= Annual Percentage Rate. All loan rates subject to change without notice. All loans subject to credit approval. Certain restrictions may apply. Effective 01-01-2026 through 01-31-2026. All rates and limits based on existing rate and term. Offer applies to loans financed with another lender only. Must meet lending criteria. Lowest possible rate 4.49% APR* . Does not qualify for any additional rate reductions. Estimated monthly payment on $10,000 .00 borrowed at 4.49% APR for 36 months is $297.43. To qualify for a $50.00 Visa gift card, the loan must be closed between 01-01-2026 and 01-31-2026. Visa gift card will be given at the time of refinance. Membership is required. Federally insured by NCUA.  \n2nd Mortgage/Home Equity Special February 1st through March 31st  \n$15,000.00 Minimum New Money  \nFees Waived  \nContact the loan department at 814-899-6608 for current rates  \nAuto Loan Special March 1st through April 30th  \n1.00% APR* OFF your earned rate Rates as low as 4.49% APR*  \n*Annual Percentage Rate. All loan rates subject to change without notice. All loans subject to credit approval. Certain restrictions may apply. Effective 03/01/2026 through 04/30/2026 . Lowest possible rate 4.49% APR. Does not qualify for any additional reductions. Promotional rates apply to new monies only. Estimated monthly payment on $10,000.00 borrowed at 4. 49% APR for 36 months is $297.43. Membership is required. Federally insured by NCUA.  \nAMERICO Federal Credit Union’s 8th Annual Francis W. Catherine and William A. Schubert 2026 Memorial Scholarships  \nAMERICO Federal Credit Union proudly supports education and is excited to continue our scholarship program.  \nThe credit union will award TWO $1,000 .00 Francis W. Catherine and TWO William A. Schubert Memorial Scholarships to students who plan on pursuing an advanced education in 2026. A total of FOUR $1,000.00 scholarships will be awarded.  \nThe requirements are as follows:  \n• The applicant must be a member in good standing.  \n• The applicant must be accepted at a post-secondary accredited educational institution or trade school for the 2026 academic year.  \n• Scholarship funds must be used for (1) tuition,(2) only at a post-secondary accredited educational institution or trade school, and (3) by January 31, 2027. Proof of full-time enrollment is required for the scholarship to be disbursed.  \n• Submit a 500 word typewritten essay on: “Tell a story about how your family or community adapted to economic change such as recession, job loss, inflation, or shifting industries. What financial lesson did you learn, and how could Americo Federal Credit Union support families facing similar disruptions?”  \n[Applications are available at both AMERICO Federal Credit Union branches and online at www.americofcu.com.](Applications are available at both AMERICO Federal Credit Union branches and online at www.americofcu.com. The)[ The](Applications are available at both AMERICO Federal Credit Union branches and online at www.americofcu.com. The)[ ](Applications are available at both AMERICO Federal Credit Union branches and online at www.americofcu.com. The)deadline for submitting your essay is Tuesday, March 31, 2026. **See application for complete requirements and regulations. CreditSense  \nWant a secure way to keep tabs on your credit? Download our updated mobile banking app. You’ll be able to see your credit score and enjoy advanced credit monitoring features, all from the mobile banking app you know and trust. The updated app lets you securely check your credit score in just a few taps. You can even see how factors like credit inquiries affect your score, thanks to our app’s credit monitoring function. Best of all, there’s no hard pull on yo","cbCaibCV4tlb1nLy","https://ap.wps.com/l/cbCaibCV4tlb1nLy","pdf",2857243,"English","# JANUARY 2026 Newsletter\n## Auto Loan Refinance Special\n## 2nd Mortgage/Home Equity Special\n## Auto Loan Special\n## Memorial Scholarships 2026\n## CreditSense and Credit Boost Loans\n## Dormant Accounts","[{\"question\":\"What are the dates and key terms for the Auto Loan Refinance Special in January 2026?\",\"answer\":\"The special runs January 1st through January 31st. It advertises 2.00% APR off the current rate, with rates as low as 4.49% APR, and eligibility requirements apply including credit approval, membership, and timing for closing the refinance.\"},{\"question\":\"How can members qualify for the $50 Visa gift card during the Auto Loan Refinance Special?\",\"answer\":\"The loan must be refinanced and closed between 01-01-2026 and 01-31-2026, and the gift card is provided at the time of refinance. The offer requires membership and meeting lending criteria.\"},{\"question\":\"What happens to dormant accounts according to the newsletter?\",\"answer\":\"Any account inactive for three years must be submitted to the Bureau of Escheats. The credit union charges a $5.00 monthly fee after 24 months of inactivity, and share draft accounts are subject to this fee after six months.\"}]","January 2026 Newsletter - Auto Loan Refinance Special | PDF",1789785109]