You keep your GPA high. We'll keep our rates low.

Going to college? Of course, your first step is to do everything possible to grab all the scholarships and government aid as possible. But if you're still running short, UCU can help bridge the gap. We offer both fixed-rate or variable-rate student loans and a variety of repayment plans.

It doesn't take a genius to understand the benefits of UCU's student loans


  • Choose from low fixed rates or variable rates
  • No origination fee, insurance fee or prepayment penalty
  • Option to make interest-only payments
  • Use a cosigner to help you qualify for a loan or get a better rate
  • Deferred payments while in school at least half-time
  • Six-month grace period after graduation before repayment begins
  • 0.25% Interest rate reduction with automatic payments1


Eligibility and loan limits


  • Borrow up to 100% of the annual school-certified cost of education, $200,000 lifetime
  • Minimum loan amount of $2,000
  • Available to those ages 18 or older
  • Students must be enrolled at least half-time in a degree-seeking program
  • Students must attend a four-year, public, private or not-for-profit school
  • Non-U.S. residents need a Social Security Number or Tax ID, the student’s admission letter and a cosigner who is a U.S. citizen or permanent resident
  • Borrowers also need to provide a copy of one of the following: an F1 Student Visa, an I-20, a work Visa, or proof of Deferred status.

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.