Find a list of our rates here! They update often, so be sure to check back.
|Undergraduate Private Student Loan - Variable||$1,000 - $60,000
||as low as 6.99%(1)(2)|
|Undergraduate Private Student Loan - Fixed||$1,000 - $40,000||as low as 5.49%|
|Graduate Private Student Loan - Variable||$1,000 - $60,000
||as low as 8.74%(1)(2)|
|Student Loan Refinance (Federal & Private)||12 - 60 months||Minimum $5,000(3)||as low as 7.34%||8.17%(4)|
|Student Loan Refinance (Federal & Private)||61 - 120 months||Minimum $10,000(3)||as low as 7.84%||8.07%(4)|
|Student Loan Refinance (Federal & Private)||121 - 180 months||Minimum $15,000(3)||as low as 8.34%||8.45%(4)|
(1) The Annual Percentage Rate is subject to change 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) (2) The "Index" for the quarter beginning July 1st, 2022, is 4.00%, which was the Prime index published in the Wall Street Journal on the first business day of June 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join