Low Rates, Great Benefits, Get Started Today!
Our low cost student loan is designed to meet your education needs.*
- Competitive Interest Rates and with good grades, get even lower rates
- 1% Interest Rate Reduction once you repay 10% of the loan
- 30-Day No-Fee Return Policy allows you to cancel the loan if you find a better option
- No Cosigner Required for creditworthy Juniors, Seniors and Graduate students
It can be used to pay for qualified education expenses including:
- Tuition
- Room & board
- Books & computer
Although we ask that you do make a modest monthly payment while in school, full interest and principal payments are deferred until 6 months after graduation and the repayment period is up to 10 years. Borrow as little as $2,000 or as much as $30,000 per academic year.
Get Started
- Go to: https://hfsfcu.fynanz.com/
- Complete the loan application
- Send in supporting documents
- Get quick approval
Student Loan Q&A
Q: When should I apply for a Private Student Loan?
A: 10 to 12 weeks before the tuition bill is due is a good time to explore your options.
Q: Am I Eligible for a Private Student Loan?
A: Borrower must be a credit union member, as well as:
- US citizen or permanent resident
- Enrolled at least half-time in an eligible school
- Meet minimum credit requirements
Q: What is the importance of a Cosigner?
A: Applying with a creditworthy cosigner not only increases your chance of approval, but also may lead to a lower loan rate.
Q: What are some tips to keep in mind?
A: Remember to:
- Exhaust all federal loans
- Get started early
- Only request the amount you need for the current academic period
*Private student loans should be used as supplemental funding after exhausting all other sources of financial aid, including grants, scholarships, and federal student loans. Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans. For more information on federal loans, visit http://www.fafsa.ed.gov.
