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REFINANCE YOUR STUDENT LOAN & SAVE
Competitive Interest Rates
We can help you replace those high interest rates with a rate that better fits your budget and lifestyle.
Flexible Rates and Terms
Pay your loan off quickly, or keep your monthly payments as low as possible — the choice is yours.
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 Minutes & Done
Complete your entire application online in under 15 minutes.
ARE YOU ELIGIBLE?
In addition to Cyprus Credit Union's underwriting criteria, you must also meet the following eligibility requirements:
You and your cosigner (if applicable) are US 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).
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 rail navigation utilizes arrow, enter, escape, and space bar key commands.
Left and right arrows expand / close menus in sub levels. Up and Down arrows will navigate through top tier links. Enter and space opens menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
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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