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Competitive Rates to Help You Save

Borrow up to $%%UCONMax%% with rates starting at %%UCONVarLowAPR5%% APR1

1APR= Annual Percentage Rate. Click for rate details.

LIMITED TIME OFFER
Receive $250 when you apply during the month of October*! Refinance your student loans today.

Start Your Application

Why Refinance With %%CUName%%

Refinance with %%CUName%% and consolidate all your private and federal student loans (including PLUS loans) into one manageable loan, potentially lowering your monthly payment and reducing your interest rate2 in the process.

 

Start enjoying the life you’ve worked hard to achieve, with less stress about student loan payments.

 

GREAT RATES

Better rates mean more savings.

FLEXIBLE TERMS

Repayment terms that fit your needs.

1 : 1 SUPPORT

Friendly support when you need it.

TRUSTED LENDER

Borrow from a lender you can trust.

Calculate Your Savings

or if you're ready

Start Your Application

2 Subject to credit qualification and additional criteria, including graduating from an approved school.

*Upon approval and funding of your refinance loan, the primary borrower will receive a cash deposit of $250. To qualify, the completed loan application must be received between 10/01/19 and 11/01/19 with a minimum funded loan amount of $10,000. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. %%CUName%% reserves the right to modify the terms of this offer at any point in the future for new applications.

  • Calculate Your Savings

     

    Our calculator estimates how much you could save by refinancing your student loans with %%CUName%%. If you have more than one loan, you can enter each individually or combine them to get a quick estimate (use the weighted average interest rate when entering a combined loan amount).

     

     

    %%CALCULATOR%%

    Results are an estimate based on the full term of your new loan. Remember, you can save even more by repaying your loans faster. There is no prepayment penalty, so making additional payments can help you save more in the long run!

     

    Apply Today

     

    IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.

     

    PLEASE NOTE: Calculations are based on the lowest possible rate (including .25% discount for optional enrollment in automatic electronic payments), which is based on credit criteria and repayment terms. View the full range of rates and terms. Using the free student loan payment calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.

     

     

  • Current Rates

     

    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.

     

    Fixed Rate Solution

    The Annual Percentage Rate (APR) for our student loan refinance program is fixed5 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 rates6 are:

    • 5-Year Repayment Term:     between %%UCONFixedLowAPR5%% and %%UCONFixedHighAPR5%% APR

    • 10-Year Repayment Term:   between %%UCONFixedLowAPR10%% and %%UCONFixedHighAPR10%% APR

    • 15-Year Repayment Term:   between %%UCONFixedLowAPR15%% and %%UCONFixedHighAPR15%% 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. 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%%.

     

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