*APR= Annual Percentage Rate. Must be a member in good standing in order to qualify for this offer. Effective 11/01/2023 through 12/31/2023. All rates and limits based on creditworthiness. Must meet lending criteria. Lowest possible rate 5.00% APR*. Does not qualify for any additional rate reductions. Maximum term 12 months. Estimated monthly payment on $5000.00 at 5.00% APR for 12 months is $428.05. Americo FCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. No payments for 60 days is valid on new Holiday Loans; refinancing of existing Personal Loans are not eligible. Interest will begin to accrue on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan was funded to the first payment date and then applied to the principal due. Rates, terms, and conditions are subject to change without notice. Certain restrictions apply. Call the loan department (814-899-6608) for more information about Holiday Loans and all your lending needs. Federal insured by NCUA.