This product is temporarily unavailable. Rest assured, we are working to provide the best option for refinancing your student loans. If you have any questions, please contact us at (213) 821-7100.
**Variable Rate: 1.95% annual percentage rate (APR). 180 monthly payments of $6.41 per $1,000 borrowed. Borrowing $20,000 at 1.95% accrues $3,083.52 in interest during the 15 year repayment term. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Student Loan Refinance, see the Application Truth in Lending Disclosure. Fixed Rate: 4.44% annual percentage rate (APR). 180 monthly payments of $7.62 per $1,000 borrowed. Borrowing $20,000 at 4.44% accrues $7,429.49 in interest during the 15 year repayment term. For further information on rates and costs for the Fixed Rate Student Loan Refinance, see the Application Truth in Lending Disclosure. For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater.
***To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through USC Credit Union. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied. USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.
Membership is required when taking a loan out with us. If you are not currently a member of USC Credit Union, we will contact you to establish membership. Establishing membership is easy and includes opening a membership savings account. If you do not complete the membership application, we will create your membership savings account for you.