A new year is the perfect time to reset your budget and put smart financial habits in place. While many resolutions focus on cutting back or paying down debt, one of the most important steps is preparing for the unexpected. From surprise car repairs to medical bills, life doesn’t always stick to the plan.

That’s why building an emergency fund is one of the best ways to protect your budget—and your peace of mind—this year. In the blog below, we break down how an Emergency Fund Savings Account at US Community Credit Union can help you stay prepared and stress-free in 2026.

JANUARY OFFERS YOU DON'T WANT TO MISS!

TAKE ADVANTAGE OF THESE LIMITED-TIME LOAN OFFERS TODAY!

1. AUTO REFI SPECIAL: Earn up to $200 cash when you refinance your auto loan from another lender, with rates as low as 5.59% APR*. Use promo code NY26AUTO when applying!

2. HELOC SPECIAL: Lock in an introductory rate of 4.99% APR** for 12 months, plus No Annual Fee.

PLAN AHEAD FOR NEXT CHRISTMAS!

The holidays may be over, but now is the perfect time to start preparing for next year. With a Christmas Club account, you can set aside a little each paycheck or month and build your holiday savings effortlessly—no stress, no scrambling.

Open your Christmas Club account now and let 2026’s holiday season feel a whole lot more joyful (and budget-friendly).

We’re excited to share that USCCU is partnering with People Loving Nashville for a Cold Weather Clothing Drive happening throughout the month of February. Members will soon be able to donate winter essentials to help local individuals in need.

Stay tuned for more details.

Federally insured by NCUA

DISCLOSURES:

*Offer expires January 31, 2026. Excludes all loans currently financed with US Community Credit Union and all USCCU loans made through indirect lending at dealerships. Offer valid on auto loan refinances from other financial institutions only. All auto loans with a balance of $20,000 and over will receive $200 cash and all auto loans with a balance of $10,000 to $19,999.99 will receive $100 cash upon loan closing when entering promotional code NY26AUTO during application. Cannot be combined with another offer. Rates current as of 1-1-2026. APR = Annual Percentage Rate. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. A new hard inquiry credit report pulled by US Community Credit Union is required. All loans subject to approval. Membership Required. Terms and conditions may apply.

**APR=Annual Percentage Rate. Introductory APR for well qualified borrowers at a maximum Loan to Value ratio (“LTV”) of 90% depending on borrower’s loan scenario. Introductory Home Equity Line of Credit (HELOC) rate of 4.99% APR for the first twelve (12) months. After twelve month introductory period, APR will default to qualifying rate as determined and disclosed at the time of the loan closing. As of 1/8/2026, qualifying interest rates are as low as 5.75% APR with a product floor rate of 4.00% APR and the maximum is 18.00% APR. Rates are based on the Prime Rate published in the Wall Street Journal Money plus a margin. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. Home value is based on US Community Credit Union verified source such as an appraisal, which may be required. Borrower pays appraisal fee. Property insurance will be required, including flood insurance if applicable. To qualify, $35,000 new money must be included in loan request. Must have a credit score of 620 or higher at the time of your application. Early loan termination fees may apply. Home Equity products available in Tennessee only. Limited time offers subject to credit approval. Offers subject to change or may expire without notice. Application for HELOC promotion must be submitted by 1/31/2026. All loans are subject to credit approval. Closing costs are estimated to range between $500.00 and $1,000.00 (or more depending on the loan amount). Membership required. Terms and conditions may apply. Contact the credit union for any questions regarding promotion. Equal Housing Opportunity. NMLS #363210