Student loans for a better education
Navigating the cost of education can be challenging., but our student loans are here to help. With competitive rates and flexible repayment plans, we make it easier for you to concentrate on your academic success.
At UCU, we help bridge your education funding gaps, ensuring you have the financial support to excel in your studies. University Credit Union offers undergraduate and graduate loan options to support you and help you succeed, making it easy to apply for a student loan that best fits your needs.
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Benefits of a student loan with UCU
Dream bigger, achieve more, and finance your education to reach your goals. University Credit Union can help you fund the education you need to succeed.
- Available for undergraduate and graduate students
- Competitive fixed and variable interest rates
- Secure funding even if you're unsure of your college choice or exact needs
- Reduce your rate by 0.25% APR* by enrolling in automatic payments during repayment
- Multiple repayment and in-school deferment options
Undergraduate and graduate student loans
Aim towards a brighter future
Our flexible undergraduate student loans help secure your undergraduate career funding.
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Attain your loftiest goals through education
Our innovative graduate student loans are designed to help you responsibly fill funding gaps.
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Lower monthly student loan payments
The variable rate option, allows for a longer repayment period and lower monthly payments!
Learn More about Lower monthly student loan payments Variable rate student line of credit
Pay your loan off faster
Interest rate and monthly payments remain the same throughout the loan. Pay off your loan in no time.
Learn More about Pay your loan off faster Fixed rate student loans
How to get pre-qualified and pre-approved for a mortgage
Read more about How to get pre-qualified and pre-approved for a mortgage
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6 Steps for Smart Credit Management
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Student Loan Debt Consolidation 101
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How Home Equity Lines of Credit (HELOCs) Work
Read more about How Home Equity Lines of Credit (HELOCs) WorkFrequently asked questions
Need more information?
- Can I get a student loan from the University Credit Union as an undergraduate? Click On Can I get a student loan from the University Credit Union as an undergraduate? Our student loans are available to undergraduates to help our member-owners achieve a higher level of education without financial stress. Discover if an undergraduate student loan from UCU is right for you. Learn more
- Can I get a graduate student loan from the University Credit Union? Click On Can I get a graduate student loan from the University Credit Union? Graduate student loans are available to our member-owners who want to pursue even higher education. Choose between our variable-rate line of credit or fixed-rate loan solutions and start the next phase of your journey today. Learn more
- Which is a variable rate line of credit or a fixed rate student loan? Click On Which is a variable rate line of credit or a fixed rate student loan? A variable rate line of credit means your rate might fluctuate, but you could have a lower monthly payment. A fixed rate means your interest rate never goes up, meaning a potentially higher fee, but you’ll pay off your loan faster. Learn more
- Can I refinance an existing student loan with UCU? Click On Can I refinance an existing student loan with UCU? We make it easy for you to take control of your student loan repayment by refinancing and consolidating your private and federal student loans into a single, manageable loan with a competitive interest rate and flexible repayment plans. Learn more
- Can I get a UCU loan to study abroad? Click On Can I get a UCU loan to study abroad? UCU wants to help support your goals and maximize your educational opportunities. UCU’s study abroad loans can be used for program fees, travel, room and board, etc. Get ready to widen your horizons! Learn more
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Financial tools
UCU provides educational modules to make you an expert in budgeting, home loans, retirement, and more.
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Rates
One of the best reasons to join University Credit Union is our incredible interest rates.
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Account services
Enjoy secure domestic and international wire transfers and convenient digital banking with UCU.
Learn More about Account services *APR = Annual Percentage Rate. Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% if the rate does not fall below the floor rate. Credit Cards, HELOCs, and mortgages are excluded.
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Learning center
Our financial resources center includes plenty of easy-to-use, interactive, and dynamic learning tools to help you better manage your own money. Start learning today.
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Use our helpful financial resource guides to discover how to pay for college, determine your house-hunting budget, or calculate how much you'll need to save for retirement.
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