Student Loans

REFINANCE YOUR STUDENT LOAN & SAVE

 

competitive

Competitive Interest Rates

We can help you replace those high interest rates with a rate that better fits your budget and lifestyle.

flexible

Flexible Rates and Terms

Pay your loan off quickly, or keep your monthly payments as low as possible — the choice is yours.

interest


0.25% Interest Rate Reduction

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

release

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

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.

 

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).

 

STUDENT LOAN REFINANCING PRIVATE STUDENT LOANS

 

 

   

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lendkey

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.

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