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Higher Education Loan
Higher Education Loan


Pursuing an advanced degree is a time-consuming and often costly challenge, but essential to your professional career advancement.  To support our school employees, we've developed our Higher Education Loan to help cover tuition and other costs incurred while completing a master's or doctorate program.


  • Loan amounts from $1,000 to $50,000

  • Terms up to 120 months1

  • Variable rate

  • An alternative or to supplement Federal student loans

  • 0.75% discount for payments made through automatic transfer

  • Funds are sent directly to your school three to five days after funding 


How to Apply




Monday - Friday, 7 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.





Any SchoolsFirst FCU branch


Annual Percentage Rate (APR) Maximum Loan Amount Term Estimated Monthly Payment Per $100 Borrowed
7.25% - 8.25% Up to $50,000 Up to 120 months $1.17 (based on a 48-month term at the discounted rate)





1Maximum loan term based upon amount financed.


Lowest rate reflects a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Rate quoted is effective as of date and is subject to change. Variable rate; rate and payment subject to change after consummation. Current floor rate is 5.00% APR. Estimated payment is based on current rates. 


SchoolsFirst FCU has a loan program which features a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating and SchoolsFirst FCU account history. All loans subject to approval.


SchoolsFirst FCU's maximum aggregate personal loan limit is $50,000 per qualifying Member. This includes all individual and joint personal loan credit combined. 


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