Rates

Undergraduate 

The Annual Percentage Rate (APR) for our undergraduate private education line of credit is fixed1 for the life of the loan.

The current offered rate2 will be between 5.25% and 9.25% APR.

 

Please Note:

All loans subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required.

 

  1. Your interest rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or coborrower (if applicable).

  2. Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy coborrower which may result in a better chance of approval and/or lower interest rate.


 

Graduate 

The Annual Percentage Rate (APR) for our graduate business private education line of credit is fixed1 for the life of the loan.

The current offered rate2 will be between 5.25% and 9.25% APR.

 

Please Note:

All loans subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required.

 

  1. Your interest rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or coborrower (if applicable).

  2. Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy coborrower which may result in a better chance of approval and/or lower interest rate.


 

Student Loan Refinance

Fixed Rate Solution

The Annual Percentage Rate (APR) for our student loan refinance program is fixed1 for the life of the loan. The rate you receive depends upon the credit qualifications of the borrower or cosigner (if applicable) and the repayment term selected. 

The current offered rates2 are:

  • 5-Year Repayment Term:     between 4.00% and 6.00% APR

  • 10-Year Repayment Term:   between 4.75% and 9.00% APR

Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

 

All loans are subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required. Contact us for membership details.
 

Important:  Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.

 

  1. Your interest rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or cosigner (if applicable). 

  2. Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy cosigner which may result in a better chance of approval and/or interest rate. 

 

Repayment examples:
Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.  

Fixed Interest Rate Solution

  • 5 year loan term: with a 6.00% APR, the monthly payment will be $966.64. Finance charges will be $7,998.40.

  • 10 year loan term: with a 9.00% APR, the monthly payment will be $633.38. Finance charges will be $26,005.46.

 

 

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