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- - Rewards CheckingAvailable to all members; in order to qualify for rewards, you must have your salary deposited at OAS FCU and meet other requirements
  - Overdraft Line of CreditAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
- - Share SavingsAvailable to all members, worldwide
  - RoundUp Savings AccountAvailable to all members, worldwide
  - Share CertificatesAvailable to all members, worldwide
  - Savings ClubAvailable for all members who can make monthly deposits
  - Retirement Account (IRA)Available to all members who have salary in the United States. Note that not all members may benefit from the tax exemption on deposits to an IRA account
  - InvestmentsOur investment services are available to all members, worldwide
- - Signature LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - International Personal LoanFor those that live outside of the US, have been a member of OAS FCU for over one year and have a regular income
  - Green Loan
  - Deposit Secured LoanAvailable to all members who have savings at OAS FCU
  - Post-Secondary Education LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Private Student Loan
  - Student Loan RefinancingAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
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- - Vehicle LoanAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Vehicle RefinanceRefinancing available for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Equity LoanAvailable for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Buying ServiceAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
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- - Mortgage LoansWe finance properties in certain areas in the United States. Members of OAS FCU who live abroad but have their salaries deposited at OAS FCU may qualify
  - Home Equity Line of Credit
  - Loan Payment Portal\
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- - OAS Retirement & Pension Plan LoanAvailable to all members who participate in the OAS Retirement and Pension Plan
  - IICA Recognition of Years of ServiceAvailable to all members who receive the Fund in Recognition for Years of Service benefit from IICA
  - OAS Benefits LoanAvailable to all members who are OAS Staff
  - Recognition for years of service CAF
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Join OAS FCU

Private Student Loan

Invest in yourself

Your education is your future. Enjoy excellent rates on student loans through our partner, LendKey.

Apply Online Through LendKey

Available in these Regions

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Affordable student loans

Through our partner, LendKey, we offer affordable, low-interest student loans. These loans can be used to cover a variety of qualified school costs, including books, housing, tuition, and other related expenses. They can also be used to consolidate and refinance your existing student loans. A Private Student Loan with us is easy to apply for, and can even help you establish good credit that will assist you in applying for future loans. If you’ve applied for scholarships and federal grants, and still need additional school funding, we encourage you to consider one of our student loans.

You will need a SSN
No origination fees or prepayment penalties
Low interest rates
Fast, simple application process
Develop your credit history for future loans
Pay for any qualified expense, including books and housing
Tax deductible interest payments

Questions

Are you ready to get that degree?

If so, we want to help you accomplish that goal!

Apply Now

Interested in buying a home? While the process can seem overwhelming, we make it all manageable with a variety of loans at extremely competitive rates.

Need a car to go to and from classes? We can help with that too!

Rates

Loans & Credit Cards (1)

APR*

Co-Maker 7.25%
Signature 11.00%
OAS Retirement Fund 8%
IICA FRAS/OAS Benefits 10.50%
Overdraft Protection 13.99%
VISA Classic 11.25%
VISA Platinum 13.25%
Share/Share Certificate Secured 2.5% above the rate paid on deposit pledge

*Annual Percentage Rate (APR) starting at

1) All loan rates are basic rates and are subject to change without notice. Based on your credit history, our final rate may be up to 7.50% higher than those listed.

FAQs

The conditional approval of your loan is based on an initial credit review and is not tied to your requested loan amount, so requesting a lower loan amount will not improve your chances of being approved.

Students can apply for this loan if they are enrolled at least half-time in a degree-granting program from an approved school. This application is credit-based, so if you do not have an established credit history and a steady source of income, a cosigner may be needed. All applicants must be either a U.S. citizen or permanent resident and must be at least the age of majority in their state of residence.

You may be able to borrow up to 100% of your school-certified cost of attendance. This may include tuition, room and board, textbooks, and other related education expenses. To figure out what expenses are part of your institution’s cost of attendance, check out your school’s financial aid website or contact your school’s financial aid office directly.

We typically recommend applying at least one month prior to when the funds are due or earlier. Conditional approval for a loan may occur quickly after an initial review of your application and credit report, however it is not final approval since you may be asked to submit additional supporting documentation (e.g., proof of income, identification, etc.). Your school must also certify your loan, which may add more time to your application process. While it generally takes less than thirty days to process and certify a loan, in some instances it may take several weeks.

This loan may be used for qualified education-related expenses that are certified by your institution. This may include tuition, room & board, transportation expenses, laptop, textbooks, and related materials. To figure out what expenses are part of your institution’s cost of attendance, check out your school’s financial aid website or contact your school’s financial aid office directly.

A cosigner is not required, but it may improve your chances of getting approved. Private student loans offered on LendKey’s website are credit-based, so a credit and income review will be performed. It can be difficult as a student to have an established credit history and a steady source of income, so a cosigner may help meet the loan application guidelines. Furthermore, a cosigner with an established credit history may help you qualify for better terms that could save you money in the long-term.

Typically, your cosigner may be a parent, grandparent, guardian or other adult who is creditworthy and willing to assume legal responsibility for the loan liabilities along with you. A cosigner may increase your chances of approval or help you qualify for better terms.

The age of majority is the age at which you are considered a legal adult by your state. In most states, the age of majority is 18, but it may be higher. It is important to check to see what it is for your specific state. Our participating lenders cannot generally lend to individuals who are below the age of majority.

No, you do not have to be a full-time student to qualify for a student loan. However, you must be enrolled at least half-time in a degree-granting program from an eligible school.

Yes, this loan qualifies for our Skip-a-Payment program. With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it's most convenient for you. To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.

The loan proceeds will be sent to the school by check or through electronic funds transfer (EFT). The check will usually be mailed within 5-7 business days after you accept the final disclosure unless the school requests a later date. Typically, once the school receives the funds, they will process the amount owed, and send the remaining funds to the student.

The repayment term begins 6 months after you graduate or stop to be enrolled at least half-time in an eligible degree-granting program. Once repayment begins, you have 10 years to repay the loan.

School certification is normally completed by the school’s financial aid staff and will include information like the Cost of Attendance and the registration status of the student. Certification ensures that the student is not over-awarded in total funding beyond the Cost of Attendance

If you are a returning student, you must provide an unofficial copy of your most recent graded transcript as proof of enrollment at the school you are attending to complete the application process. If you are an incoming freshman, your school will confirm your enrollment during the certification process.

Federal student loans follow guidelines set forth by the U.S. Department of Education and typically offer fixed and lower interest rates compared to private student loans. However, federal loans, unlike most private loans, have borrowing limits, which may not allow a student to borrow enough to cover the entire cost of education. Private loans help students fill the funding gap between the cost of attending school and the amount of federal loans, grants, and available scholarships. Both private and federal student loans typically allow students to defer full principal and interest payments while in school and some offer economic forbearance options once a student completes school. Unlike federal loan programs, private lenders assess the credit history of the borrower and cosigner before making a loan.

You’ll be in the best position to refinance your student loan with us if you:

Have a credit score of at least 660. Approved LendKey borrowers have credit scores of 757 on average.

Earn at least $24,000 a year. Approved borrowers earn $63,000 a year on average.

Graduated from an eligible school. Borrowers must have graduated from a school that participates in the federal government’s Title IV federal student aid programs.

Are a U.S. citizen or permanent resident.

Do not live in Maine, Nevada, North Dakota, Rhode Island or West Virginia. We don't refinance loans for borrowers in these states.

If you think you cannot qualify on your own, you can use a co-signer to refinance your student loan.

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