Rates

Graduate Business Rates 

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

The current offered rate³ will be between %%GradAPRlow%% and %%GradAPRhigh%% APR.

Your Interest Rate⁴ is calculated by adding the Index plus a Margin⁵, subject to a minimum APR (Floor). The Floor rate is in effect any time the Interest Rate is below your assigned Floor rate.

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 Annual Percentage Rate is subject to increase after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

2. The "Index" for the quarter beginning April 1, 2025, is 7.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 2025.

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). Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

4. The APR will not exceed %%GBCeiling%%, or fall below the Floor rate regardless of the Index. Any increase in the Index may increase the APR and the amount of your monthly payment. 

5. Margin will be disclosed at account opening. 

Variable Rate Solution

The Annual Percentage Rate (APR) for our student loan refinance program is variable¹ and is based on the Prime index² plus a margin. The rate you receive depends upon the credit qualifications of the borrower or cosigner (if applicable) and the repayment term selected. 

The current offered rates are³:

• 5-Year Repayment Term:     between %%UCONVarLowAPR5%% and %%UCONVarHighAPR5%% APR

• 10-Year Repayment Term:   between %%UCONVarLowAPR10%% and %%UCONVarHighAPR10%% APR

• 15-Year Repayment Term:   between %%UCONVarLowAPR15%% and %%UCONVarHighAPR15%% APR

Your interest rate is calculated by adding the Index in effect plus a Margin⁴.

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. The Annual Percentage Rate is subject to increase after consummation. Your Interest Rate is variable and may be adjusted quarterly on each January 1, April 1, July 1, and October 1 (Adjustment Date) based on the Prime Index as published in the Wall Street Journal on the business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the Index may increase the APR and the amount of your monthly payment.

2. The "Index" for the quarter beginning April 1, 2025, is 7.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 2025.

3. Current offered rates are calculated using the Index and Margin value(s) in effect. Your specific Index, Margin, and/or credit approval depends upon the credit qualifications of the student borrowers or cosigner (if applicable). Applicants may apply with a creditworthy cosigner which may result in a better chance of approval and/or lower interest rate.

4. Margin will be disclosed upon approval. This Margin is added to the index to determine the calculated interest rate. The APR will not exceed %%UCONCeiling%%, regardless of the index.

5. 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). 

6. 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.  

Variable Interest Rate Solution

• 5 year loan term: with a %%UCONVarHighAPR5%% APR, the monthly payment will be $%%UCONVarRepaymentEx5%%. Finance charges will be $%%UCONVarFinanceCharge5%%.

• 10 year loan term: with a %%UCONVarHighAPR10%% APR, the monthly payment will be $%%UCONVarRepaymentEx10%%. Finance charges will be $%%UCONVarFinanceCharge10%%.

• 15 year loan term: with a %%UCONVarHighAPR15%% APR, the monthly payment will be $%%UCONVarRepaymentEx15%%. Finance charges will be $%%UCONVarFinanceCharge15%%.

Fixed Interest Rate Solution

• 5 year loan term: with a %%UCONFixedHighAPR5%% APR, the monthly payment will be $%%UCONFixedRepaymentEx5%%. Finance charges will be $%%UCONFixedFinanceCharge5%%.

• 10 year loan term: with a %%UCONFixedHighAPR10%% APR, the monthly payment will be $%%UCONFixedRepaymentEx10%%. Finance charges will be $%%UCONFixedFinanceCharge10%%.

• 15 year loan term: with a %%UCONFixedHighAPR15%% APR, the monthly payment will be $%%UCONFixedRepaymentEx15%%. Finance charges will be $%%UCONFixedFinanceCharge15%%.