Student Loans

Save When You Refinance Your Student Loan



Competitive Interest Rates

Replace high interest rates for one that better fits your budget and lifestyle.


Flexible Rates and Terms

Whether you want to pay off your loan quickly or prefer to keep monthly payments as low as possible, choose what works for you.


0.25% Interest Rate Reduction

Set up recurring monthly payments and enjoy a reduced interest rate. †


Release Your Cosigner

Give more flexibility to your cosigner by releasing them from your loan after making 12 consecutive, on-time full principal and interest payments. ‡


Borrow What You Need

Refinance up to $125,000 in undergraduate student loan debt or $175,000 in graduate debt.

15 minute

15 Minutes & Done!

Complete your entire application online in under 15 minutes.

Home Banking

In-School Student Loans


Looking for additional funding for school? Finance your education with a private student loan from Cyprus Credit Union.

  • Competitive interest rates.
  • No application or origination fees.
  • During the in-school period, borrowers select interest-only or $25 monthly payments.
  • Academic-based pricing proprietary scoring model takes the student’s academic performance into account when assigning pricing.
  • 0.25% interest rate reduction with automatic payments.
  • Cosigner release available for creditworthy borrowers after 24 consecutive, on-time principal and interest payments.

Federal and Private Student Loan Refinancing


Already graduated? Save time and money by refinancing and consolidating your existing federal and private student loans through Cyprus Credit Union. 

  • Competitive interest rates.
  • No application or origination fees.
  • Consolidate all federal and private student loan payments into an easy monthly payment.
  • Borrowers can potentially lower their payments, reduce interest rate, and modify term.
  • Choose from 5-, 10-, or 15-year fixed and variable rate options.
  • 0.25% interest rate reduction when borrowers or cosigners sign up for automatic ACH payments.
  • Cosigner release available for creditworthy borrowers after 12 consecutive, on-time principal and interest payments.



In addition to Cyprus Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You and your cosigner (if applicable) are U.S. citizens or permanent residents.
  • You've graduated from an eligible school.
  • You're refinancing private and/or federal loans.
  • If you have loans for exam preparation classes (including LSAT, MCAT, GMAT, and GRE), they're not eligible for refinancing.
  • You're a member of Cyprus Credit Union (or become a member during the online application process).






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LendKey is Cyprus Credit Union's trusted partner in student loan refinancing, providing members with low-rate options. LendKey services these products, which are not insured by the credit union. LendKey is independent from and not an affiliate of Cyprus Credit Union.

* Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your initial rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet Cyprus Credit Union's credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from Cyprus Credit Union, you must be a member of Cyprus Credit Union. If you are not a member of Cyprus Credit Union, you may apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.

**APRs for variable rate loans may increase after origination if the LIBOR index increases. See Rates & Terms for additional information.

†If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the Margin will be reduced by 0.25%. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.

‡Cosigner release is subject to lender approval. In order to qualify, the borrower must submit a request and the borrower must meet the following requirements: (1) make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower's credit agreement during the repayment period immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults on a student loan or with Cyprus Credit Union.

The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the Cyprus Credit Union web site.

The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
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