Student Loans Finance education at affordable rates
Student Loans (Undergraduate)
When financial aid and savings just aren’t enough to cover the total cost of college attendance, a COPFCU Undergraduate Student Loan is the perfect solution.
- Low variable interest rates
- No origination fees
- Borrow up to $75,000
- In-school deferment is available
- No pre-payment penalties
- Interest paid is usually tax-deductible**
Learn more with the Student Loans Detailed Overview.
Universal Refinance Loan – Now Available!
Refinance all of your student loans into one amazing low-rate loan with our Universal Refinance Loan.
- Refinance from $5,000 – $125,000
- Eligible loan types include Federal Loans, Private Loans, Institutional Loans (made by your school) and Parent PLUS Loans^
- Loans being consolidated must be in the grace period or repayment
- Choose from low fixed rates or variable rates
- Elect a 5-year, 10-year or 15-year repayment term
- No origination, processing or disbursement fees
- No pre-payment penalties
- Interest paid is usually tax-deductible**
Learn more with our Universal Refinance Fact Sheet.
Apply for a Universal Refi Loan
* Speak with a Loan Officer for full details.
** Interest on Undergraduate Student Loans and Consolidation Student Loans is usually tax-deductible. Consult a tax advisor for complete details.
^ For the Universal Refinance Student Loan program, Parent PLUS Loans can only be refinanced by the student who benefitted from the proceeds. Parents are not eligible for the Universal Refinance Student Loan program.
Education / Student Loans
| Rate | Term |
|---|---|
| Variable rates from 6.75% APR** | Up to 25 Years |
Education Loans - Universal Refinance
| Rate | Term |
|---|---|
| Variable rates from 3.25% APR** | Up to 15 Years |
| Fixed rates from 4.00% APR** | Up to 15 Years |
**APR – Annual Percentage Rate. Rates are subject to change without notice. Your actual rate may be higher based on your Member Rewards status and your overall credit profile.