Rates

Undergraduate 

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 0.00% and 0.00% APR.

Please Note:

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.

1. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed %%UGCeiling%%, or fall below the Floor rate regardless of the Index or any additional rate discount. 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). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

Graduate Business

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 7.50% and 11.50% APR.

Please Note:

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.

1. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed %%GBCeiling%%, or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly repayment.

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). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

Student Loan Refinance

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 0.00% and 0.00% APR

• 10-Year Repayment Term:   between 0.00% and 0.00% APR

• 15-Year Repayment Term:   between 0.00% and 0.00% APR

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

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.
 

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 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 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 18.00%, 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.  

Variable Interest Rate Solution

• 5 year loan term: with a 0.00% APR, the monthly payment will be $0.00. Finance charges will be $0.00.

• 10 year loan term: with a 0.00% APR, the monthly payment will be $0.00. Finance charges will be $0.00.

• 15 year loan term: with a 0.00% APR, the monthly payment will be $0.00. Finance charges will be $0.00.

Fixed Interest Rate Solution

• 5 year loan term: with a 0.00% APR, the monthly payment will be $954.83. Finance charges will be $7,289.64.

• 10 year loan term: with a 0.00% APR, the monthly payment will be $0.00. Finance charges will be $0.00.

• 15 year loan term: with a 0.00% APR, the monthly payment will be $0.00. Finance charges will be $0.00.

PLUS Refinance Loan

The Annual Percentage Rate (APR)¹ for our PLUS Refinance Loan is fixed for the life of the loan. The rate you receive depends on the repayment term you select. 

The current offered rates are:

• 5-Year Repayment Term – 5.99% APR²

• 10-Year Repayment Term – 6.49% APR³

• 15-Year Repayment Term – 7.49% APR⁴

Important:  Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal PLUS 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. APR = Annual Percentage Rate. Your interest rate is fixed and is based on the repayment term you select. All loans subject to approval and restrictions may apply. XYZ Federal Credit Union reserves the right to change rates for new applications at any time and without notice.
   
   Repayment examples:

2. For a $48,000 refinance loan for a term of 5 years with a 5.99% APR, the monthly payment will be $927.75. All loans are subject to approval and restrictions may apply. XYZ Federal Credit Union reserves the right to change rates for new applications at any time and without notice.

3. For a $48,000 refinance loan for a term of 10 years with a 6.49% APR, the monthly payment will be $544.79. All loans are subject to approval and restrictions may apply. XYZ Federal Credit Union reserves the right to change rates for new applications at any time and without notice.

4. For a $48,000 refinance loan for a term of 15 years with a 7.49% APR, the monthly payment will be $444.69. All loans are subject to approval and restrictions may apply. XYZ Federal Credit Union reserves the right to change rates for new applications at any time and without notice.