Student Choice Simplifies the Loan Process
Our mission is to help you easily find student loan and refinancing options so you can make the best choice for you and your family.
Find the right loan from the right credit union.
Why A Credit Union?
Credit unions offer flexible student loan and refinancing options to fit your unique needs.
Great rates, flexible terms
Credit union members become owners of the financial cooperative and benefit from competitive rates, flexible repayment, and exceptional service.
People before profits
Credit unions return value to their members, rather than investors, with benefits like lower loan rates and higher savings rates.
Real rates, no credit pull
By asking a few simple questions, we help you estimate your interest rate and payment before you apply without impacting your credit score.
Funding the futures of 112,000 people like you.
“While looking for loans for my education, Elements Financial just fit. They were local to my state and helped me accomplish my bachelor’s degree in just 3 years! Post graduation, they have been a great lender, answering any questions I have had and always being easy to contact. I am very thankful I am able to be a part of this credit union!”
Evan, Elements Financial Credit Union
“I graduated with a great deal of student debt and joined KEMBA Financial for the sole purpose of trying to pay them down quicker. In addition to refinancing my loans, they helped me get a handle on my financial situation. I had such a great experience that I moved all of my accounts, and I’ve been happy ever since. The best part is that I’ll be debt free in less than 6 months!”
Megan, KEMBA Financial Credit Union