Innovative Solutions to Build Long-term Relationships

Engaging young members early is the key to building an active long-term relationship for years to come.

Invest in Your Members' Future

When scholarships, grants, and federal aid aren’t enough, private student loans can be a necessary and cost-effective way for students and their families to help fill educational gaps. More than 70,000 borrowers have now worked with a credit union to fund the most important decision in their young financial lives. The rewards of that relationship are not only paying off in the short-term, but will yield positive results for many years to come for both credit unions and members.

View Approved Schools

Student Choice loans are available to students attending nearly 2,000 colleges nationwide. The majority are four-year, not-for-profit colleges with a proven history of low student loan default rates.

Additional Loan Solutions

Credit unions are searching for ways to grow relationships with young adults. Young consumers are searching for ways to gain control of their financial future, and for many, that means tackling their student debt. The perfect intersection of these two goals is student loan refinancing.

Our undergraduate and graduate business student loan solutions:

  • Help fill the funding gap that exists after lower-cost sources of aid have been exhausted.
  • Offer zero origination fees and lower rates than many other lenders.
  • Allow for fully deferred payment while students are in school (optional).
  • Are structured as a Line-of-Credit (LOC), which can be used over multiple years throughout an undergraduate career. Each year, students simply determine how much of the eligible LOC amount they'll need - without having to complete an entirely new application!
  • Offer flexible repayment options resulting in lower initial payments after graduation.
  • Give members the chance to reduce your interest rate by 0.25% during full repayment when you enroll in automatic payment. If your line of credit is subject to a floor rate (also known as a minimum interest rate) as specified in your promissory note, your rate will never be less than the floor rate.
  • Deepen member relationships - as the loan is granted and held by the credit union (not referred to another provider).

In-School Financing

Our flagship undergraduate line of credit product was designed to fill the funding gaps that may exist after all-lower-cost sources of aid (including Federal Stafford loans) have been exhausted.

In addition to providing lending solutions to undergraduate students, your credit union can choose to offer Graduate Business School loans to help those pursuing their graduate business degree (such as an MBA). This solution is available for graduate business students enrolled, or enrolling in, a Business program at an approved business school.

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madison

Meet Madison

"During my senior year of high school, I started getting nervous about how I was going to pay for college. My dad and I went to KEMBA Financial Credit Union to talk with them about what sort of loans they offered. After speaking with their wonderful staff, we decided to borrow from KEMBA. If it wasn’t for KEMBA I wouldn’t have been able to go to college. I attended Ohio University and now have my Bachelor’s Degree in Early Childhood Education."

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