Important Disclosures

Undergraduate Variable Rate Line of Credit Solution

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 9.00% and 11.00% 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.

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 18.00%, 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.
The "Index" for the quarter beginning July 1, 2025, is 7.50%, which was the Prime index published in the Wall Street Journal on the first business day of June 2025.
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.

Undergraduate Variable Rate Loan Solution

The Annual Percentage Rate (APR) for our undergraduate private education loan is variable¹ and is based on the Prime index² plus a margin.

The current offered rate³ will be between 9.00% and 11.00% APR.

Your Interest Rate is calculated by adding the Index plus a Margin⁴.

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.

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.
The "Index" for the quarter beginning July 1, 2025, is 7.50%, which was the Prime index published in the Wall Street Journal on the first business day of June 2025.
Current offered rate(s) are calculated by 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 borrower or cosigner (if applicable). Student borrowers may apply with a creditworthy cosigner which may result in a better chance of approval and/or lower interest rate.
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.

Repayment Examples:

Repayment_Examples

Graduate Variable Rate Line of Credit Solution

The Annual Percentage Rate (APR) for our graduate private education line of credit is variable¹ and is based on the Prime index² plus a margin.

The current offered rate³ will be between 9.00% and 11.25% APR.

Please Note:

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 18.00%, 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.
The "Index" for the quarter beginning July 1, 2025, is 7.50%, which was the Prime Index published in the Wall Street Journal on the first business day of June 2025.
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 Variable Rate Loan Solution

The Annual Percentage Rate (APR) for our graduate private education loan is variable¹ and is based on the Prime index² plus a margin.

The current offered rate³ will be between 9.00% and 11.25% APR.

Your Interest Rate is calculated by adding the Index plus a Margin⁴.

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.

The Annual Percentage Rate is subject to increase after consummation. Your Interest Rate is variable and may be adjusted quarterly based 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.
The "Index" for the quarter beginning July 1, 2025, is 7.50%, which was the Prime index published in the Wall Street Journal on the first business day of June 2025.
Current offered rate(s) are calculated by 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 borrower or cosigner (if applicable). Student borrowers may apply with a creditworthy cosigner which may result in a better chance of approval and/or lower interest rate.
Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate. The APR will not exceed %%CBCeiling%%, regardless of the Index.

Repayment Examples:

Repayment_Examples