Graduate Student Loan Rates

Did you know you can potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during full repayment?1

Variable Rate Line of Credit

4.49% - 9.49% APR

Pro: Unique line of credit structure lets you borrow once for your full graduate career without reapplying each year1. Potentially lower starting interest rates could result in lower monthly payments.

 

Consider This: Your interest rate can rise and fall over the life of your line of credit so your monthly payment and total interest cost may vary.

 

Learn More

 

The Annual Percentage Rate (APR) for our graduate private education line of credit is variable1 and is based on the Prime index2 plus a margin.

The current offered rate3 will be between 4.49% and 9.49% APR.

 

Variable Rate Disclosures

  1. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed 18.00%, or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.

  2. The "Index" for the quarter beginning April 1st, 2021, is 3.25%, which was the Prime index published in the Wall Street Journal on the first business day of March 2021.

  3. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

 

Fixed Rate Loan

3.99% - 6.99% APR

Pro: A predictable monthly payment with an interest rate that doesn’t change.

 

Consider This: You may pay more over your repayment period because fixed rates are typically higher than starting variable interest rates.
 

 

Learn More

 

The Annual Percentage Rate (APR) for our graduate private education loan is fixed4 for the life of the loan.

The current offered rate5 will be between 3.99% and 6.99% APR.

 

Fixed Rate Disclosures

  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.

 

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.

  RATES

A better deal from your local not-for-profit cooperative

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More than 1,500 approved schools across the country

  FAQ

Answers to your most common questions

  RESOURCES

Financial resources to help you succeed in college and beyond

 
IMPORTANT: Loan applications for the Summer 2021 academic term are now available!
(If you need funding for the 2021-2022 academic year (starting in Fall 2021) please check back in late April.)
 
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