Government Savings Bank and the Teachers' Welfare Fund (สกสค.) cut rates on teacher cooperative loans (ช.พ.ค./ช.พ.ส.): 3.5% for regular borrowers and 4% for irregular-payment or NPL borrowers, down from about 6–7%, running through end-2027 (2570 BE). Registration is open now via MyMo, GSB website or branches until 31 October 2569 (2026). Relevant only if you or your staff are teachers or education-sector members with these loans. Borrowers who restart regular payments for 3 months by end-2569 (2026) get the 3.5% rate. Paying the rate difference toward principal can shorten loan terms substantially. Non-members must rejoin first and register by 30 November 2569 (2026).