Private Student Loan


Let us help with school

If college is part of your dream, SEFCU Private Student Loans can help make it happen.  


full payments are deferred until

6 months after graduation 

Features & Benefits

Convenient for students

  • Borrow $2,000-$30,000 for tuition and room/board
  • While student is enrolled (at least half-time), loan payment will be interest amount due or $35 (whichever is more)
  • Full principal/interest payments start six months after graduation or when student is no longer enrolled
  • We send funds directly to college/university; must be an accredited school
  • Payments are made at the beginning of each semester as long as all requirements are met
school house



What's needed to apply

  • Proof of student maintaining a minimum GPA of 2.0
  • Proof of income
  • Copy of the college or university award letter
  • Copy of tuition bill
  • Self-certification form
  • Enrollment in SEFCU Campus Connect program


Current Rates

Approximate Repayment Term Percent Above Index APR as low as
180 months N/A 9.000%
180 months 6.00% 6.386%


See which is best for you

Private Student Loan

  • Choose a fixed- or variable-rate loan
  • Borrow $2,000 - $30,000
  • Take approximately 180 months to repay


Personal Loan

  • Fixed-rate loan
  • Borrow $500 - $30,000
  • Terms from 12 to 60 months

Learn More

Apply Now

Apply for a SEFCU Private Student Loan today

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Visit a branch near you

Call 800-727-3328


Financial Education



Private Student Loan

Helps students pay for school

Choose a fixed-or variable-rate loan

Borrow $2,000-$30,000

Full repayment begins when you’re out of school


Private Student Loans

More to think about...

* Annual Percentage Rate is fixed. Rate listed assumes credit worthiness. Rates accurate as of May 29, 2020 and subject to change without notice. Published rate is for new SEFCU loans.
** Annual Percentage Rate is variable and is based on the 3 Month LIBOR Rate. The Annual Percentage Rate is subject to change quarterly and will be determined by the 3 Month LIBOR Rate 45 days prior to the first day of January, April, July, and October plus a margin. Rates accurate as of May 29, 2020 and subject to change without notice. Rate listed assumes credit worthiness. Minimum $35 monthly payment.