Truck loan was 5.9% now 3.9%

Truck loan was 5.9% now 3.9% Bought my truck a year ago everything was presented to me at 5.9% the paper work has that number aswell. I just checked my account and the loan says 3.9%. Should I stay quiet or are they going to want there extra money one day?
submitted by /u/TasteAmbitious3397

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