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College is hard. Paying for it shouldn't be.

Borrow up to $%%UGLocMax%% with variable rates starting at %%UGAPRlow%% APR1 and fixed rates starting at %%UGFixedAPRlow%% APR1

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

Borrow Once For Your Entire Undergraduate Career2 with %%CUName%%

College is an exciting time, full of new opportunities and experiences. Our aim is to make financing it more affordable so you can focus on what’s really important - achieving your dreams of a higher education at the school of your choice!

 

 GREAT RATES

Better rates mean more savings.

 NO FEES

Zero application, origination, or prepayment fees.

 FLEXIBLE TERMS

Repayment terms that fit your needs.

 1 : 1 SUPPORT

Friendly support when you need it.

Apply Now: Variable Rate Option

Apply Now: Fixed Rate Option

 

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

  • Current Rates

     

    Undergraduate Rates 

     

    Variable Rate Solution

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

    The current offered rate3 will be between %%UGAPRlow%% and %%UGAPRhigh%% 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.

     

    Fixed Rate Solution

    The Annual Percentage Rate (APR) for our undergraduate private education line of credit is fixed6 for the life of the loan.

    The current offered rate7 will be between %%UGFixedAPRlow%% and %%UGFixedAPRhigh%% APR.

    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.

     

    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 %%UGCeiling%%, 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. 

     

    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.


     

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