To be eligible for refinance, you must be:

• A U.S. citizen or permanent resident who has graduated from an approved public or private non-for-profit school.
• In repayment on one or more outstanding student loans
• Meet credit qualifications. A co-signer may be necessary in order to meet credit criteria, and may help to qualify for a lower rate.
• A member of the credit union. (Co-signers are not required to be credit union members)

You can refinance Federal, Private and institutional education loans borrowed for undergraduate and graduate studies.

The minimum refinance loan amount is $5,000. The maximum loan amount is $150,000. Make sure to review your existing loans carefully to borrow the exact amount you need.

A borrower is not required to apply with a cosigner. However, applying with a credit worthy cosigner may improve a borrower's chance of meeting the credit union's approval criteria and potentially qualify for the loan at a lower interest rate.

You will be quoted a rate after your application has been submitted and reviewed. We offer both variable and fixed rate options. See the rates page for more information.

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.

Due to events related to the Coronavirus pandemic, the Federal government has announced several measures to assist borrowers during the ongoing crisis, such as temporarily waiving federal student loan interest. Accordingly, we highly recommend that you carefully consider all of your options before refinancing your federal student loans. While all details are not yet known, it’s possible that additional proposals by Congress may impact those with federal student loan debt. Please remember that when you refinance federal student loans into a private student loan, you waive any current and potential future federal student loan benefits. Make sure to explore all available resources, including information on the Department of Education’s website at www.studentaid.gov/coronavirus to understand how these proposals may impact you, so that you can determine if losing current and potential Federal student loan benefits outweigh the benefits of refinancing your loans.

Once you complete the application we will request the following documents for verification:

• Loan payoff statements for each loan you request to refinance
• Proof of graduation
• A recent paystub within the last 30 days
• Two years of W2s
• Photo ID

Authorize our loan servicer to automatically deduct monthly payments from any bank account you choose and receive a 0.25% APR discount.

We do not offer an in-school deferment option. Our refinance loan is intended for borrowers who have completed their education and do not plan on returning to school.