Student Loans from Finger Lakes FCU
Flexible funding for college - with local, personalized support
When financial aid, scholarships, grants, and federal student loans don't cover your total education costs, Finger Lakes Federal Credit Union can help. Our Private Student Loan is designed to fill the funding gap with competitive rates, flexible repayment options, and expert support from your trusted local Credit Union - here for you during every stage of life.
Why Choose a Private Student Loan from Finger Lakes FCU?
As your local Credit Union, we believe in supporting your education and your future - not just your finances. Our Private Student Loan offers the technology of a national lender with the care of a hometown partner.
Benefits include:
- Multi-Year Approval: Apply once and secure funding for your entire college career¹.
- Competitive Rates: Fixed and variable options starting as low as 4.00% APR.
- Dedicated Experts: Can help you and your family through every step of the experience.
- Streamlined Digital Experience: A simple, secure online process that reduces stress & simplifies your journey!
- Flexible Funding: Use for tuition, housing, books, laptops, or other education-related expenses.
- No Prepayment Penalties: Pay off early anytime - and save on interest.
Serving students and families across the Finger Lakes region and beyond.
Who’s Eligible & How Funds Can Be Used
You may qualify if you:
- Are enrolled at least half-time in an approved undergraduate or graduate program
- Are the student borrower (or applying with a qualified co-applicant)
- Use funds for eligible educational expenses including tuition, books, technology, and housing
- Are a Finger Lakes FCU member (or join easily anytime during the application process)
Why Borrow for College with Finger Lakes FCU?
We’ve built our student lending program with you in mind — combining a streamlined digital experience, competitive rates, flexible underwriting, and real people who care.
As your community-based Credit Union, we offer:
- Local decision-making and personal support
- Webinars, blogs, and other resources
- Lower fees and transparent terms
- A trusted partnership throughout every chapter of life
FAQs
Do I have to reapply every year?
No. Once approved for your line of credit, you can request funds each year — up to your approved limit.
Do I need a co-applicant?
Not always. A creditworthy co-applicant may help improve your approval odds and qualify you for a lower rate.
When do I start repayment?
You can choose to pay interest-only while in school or defer payments until six months after graduation.
How do I log in or make a payment?
You can access your account information or make a payment from our Student Lending Center.
Ready to Take the Next Step?
College is an investment in your future — and we’re here to help you fund it responsibly.
Need Help from a Human Expert 24/7: Reach Out ~ we're happy to help! (844) 668-2626
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We support our members in all 50 states (and abroad) so you can take your Finger Lakes Federal Credit Union banking with you wherever you go!
APR = Annual Percentage Rate. Rates and terms subject to change without notice and based on creditworthiness, school certification, and membership eligibility. Borrower must meet school’s Satisfactory Academic Progress (SAP) requirements. Certain restrictions may apply.
¹ Multi-Year Approval is subject to credit qualification and continued school eligibility.