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Credit Union Information

1030 Craft Road

Ithaca, NY 14850

www.beginnings.com

(607) 257-8500

Beginnings Credit Union

Beginnings Credit Union: Transforming Generations and Communities. Simply. Personally.

About Membership

Membership is required to receive funding but not required before you apply. Check if you are eligible below.

Joining Beginnings Credit Union is easy!

Anyone who lives, works, worships, attends school or maintains a business in Cayuga, Cortland, Madison, Onondaga, Ontario, Seneca, or Tompkins Counties, or anyone who is affiliated with a Select Employer Group (SEG) listed online is eligible to join.

Visit our website to learn more.

Check Your Eligibility

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Products We Offer

Undergraduate Student Loans

Flexible funding for college with repayment terms to fit your needs. Pay for tuition, housing, books, and more.

Variable rates starting at:

5.24% APR*

Fixed rates starting at:

5.74% APR*

Rates shown above include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.◊

Graduate Student Loans

Flexible funding for grad school with repayment terms to fit your needs. Pay for tuition, fees, and related expenses.

Variable rates starting at:

5.24% APR*

Fixed rates starting at:

5.74% APR*

Rates shown above include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.◊

Student Loan Refinance

Combine loans, adjust your payment, or lower your interest rate to fit your repayment plan.

Variable rates starting at:

5.50% APR*

Fixed rates starting at:

4.75% APR*

Rates shown above include a 0.25% rate discount available by electing to make automatic electronic payments.◊

◊ The APR will not fall below the floor rate regardless of the index or any additional rate discount.