Student Loans
You shouldn’t have to start from scratch every year to pay for college. Our flexible line of credit is designed to grow with you – filling funding gaps when scholarships, grants, and federal aid fall short. Rates starting at 6.74% APR*.
Rates shown include a 0.25% rate discount.◊
Interest Rates
Undergraduate
Rates shown above include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.◊
Borrow up to $75,000.
Graduate
Rates shown above include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.◊
Borrow up to $75,000.
Why borrow with Affinity Plus Federal Credit Union?
When you choose your credit union to fund your education, you’ll benefit from great rates, low fees, convenient repayment terms, and most importantly, a life-long relationship with a lender you can trust.
Top Frequently Asked Questions
The borrower and co-applicant (if applicable) must be a member of the credit union. To expedite funding, visit your credit union branch or website to open your membership account while we are processing your loan.
Our private student loans can be used for any items listed in your school’s cost of attendance, or other education-related expenses. The amount you are eligible to borrow will be certified by your school, and the funds are sent directly to your college.
If some of the loan will be used to cover items not directly paid through the school, such as books, off campus rent, or a laptop, the school will issue you a refund for the excess amount.
Processing times vary based on time of year, document submission, and the school’s own certification process. In general, you can expect the process to take anywhere from 5-45 days, depending on the documentation available.
Information you’ll need to successfully complete the application:
- Personal information (such as name, date of birth, Social Security number)
- Sufficient income information for either the borrower or co-applicant (if applicable)
- School enrollment information, if known
- Amount needed for your current school term
- If applying with a co-applicant, you’ll want to have them present. The co-applicant will also need to provide the same type of personal information as the student borrower. If they cannot be present, you should have their primary email address on hand – we’ll send them a notification to input their information.
* APR = Annual Percentage Rate.
** Subject to annual review and credit qualification. Must meet school’s Satisfactory Academic Progress (SAP) requirements.
◊ The APR will not fall below the floor rate regardless of the index or any additional rate discount.
