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HANSCOM AFB, Mass.—The arrival of the $1,776 “1776 Warrior Bonus” landed differently this winter at Hanscom Federal Credit Union. Instead of fueling holiday spending, much of the money went straight into savings accounts—a sharp break from normal December behavior.

NEW YORK—After a volatile 2025 that tested borrowers’ budgets and lenders’ balance sheets alike, 2026 is shaping up to be another year of tactical opportunity rather than broad relief. For credit unions, that means timing, member education, and balance-sheet discipline will matter as much as rate direction itself.