Invest in Your Education. Build Your Future.

Save when you finance or refinance your student loans with Cyprus Credit Union, powered by LendKey! Whether you’re still in school or have already graduated, find options that fit your budget with competitive interest rates and flexible terms.

Applying takes under 15 minutes. Get the funding for your higher education today!

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Build Your Future with the Right Funding

Cyprus Credit Union offers student loan options for students in any part of their higher education journey.

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.a

Why Choose Cyprus Credit Union for Your Student Loans?

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Competitive Interest Rates

Replace high interest rates with rates that better fit your budget and lifestyle, so you can focus on your education.

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.

Borrow What You Need

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

0.25% Interest Rate Reduction

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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.

Provide practical decision info

Vehicle Year Loan Term APR as low as
2017-2027 Up to 60 months 4.99%
2017-2027 61 to 72 months 5.24%
2017-2027 73 to 84 months 5.99%

Provide clear access to disclosures, fee schedule, rates, account terms:

Explain the application process in simple steps

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Are You Eligible?

Cyprus Credit Union is committed to getting students the funding they need. In addition to our underwriting criteria, you must also meet certain eligibility requirements to apply. See if you’re eligible and start our quick application today!

What you may need

  • 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).
[Only for Mortgage]

Meet the Mortgage Team

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Cross-link to related products

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Student Loans FAQs

Do I need a cosigner for a student loan?
Eligibility depends on factors such as your credit, income, enrollment or graduation status, and the requirements of the specific student loan. A creditworthy cosigner may also help you qualify or receive a lower rate.
Can I refinance both federal and private student loans?

Yes. Eligible borrowers can consolidate federal and private student loans into one loan with a single monthly payment.

Do I need a cosigner?

A cosigner may not be required, but applying with a creditworthy cosigner may improve your chances of approval or help you qualify for a lower interest rate.

Can I release my cosigner from my student loan?

Yes. Eligible borrowers may be able to release their cosigner after making the required number of consecutive, on-time principal and interest payments and meeting other requirements.

Take Control of Your Future

Apply for student loans with Cyprus Credit Union today and secure the flexible financing you need on your journey of higher education.