The Annual Percentage Rate (APR) for our undergraduate private education loan is variable1 and is based on the Prime index2 plus a margin.

The current offered rate3 will be between 6.25% and 8.50% APR

Your Interest Rate4 is calculated by adding the Index plus a Margin5

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. Contact us for membership details.

  1. The rate is subject to increase after consummation. Your Interest Rate is variable and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment.

  2. As of January 1st, 2018, the Prime index (Index), as published in the Wall Street Journal, used is 4.25%. For a new loan, the Index used is the rate as published on the first business day of the last month immediately preceding each new quarter.

  3. Current offered rate(s) are calculated by using the Index and Margin value(s) in effect. Your specific Index, Margin, and/or credit approval will depend upon the student borrower’s and cosigner’s (if applicable) credit qualification. Applicants may apply with a creditworthy U.S. cosigner which may result in a better chance of approval and/or lower interest rate.

  4. The Interest Rate will not exceed 18.00%, regardless of the Index.

  5. Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate.


Undergraduate Repayment Examples:


*assumes 48 month in-school period, 6-month grace (except full repayment), single disbursement of $10,000, and .25% ACH discount.