Student Loan Refinance

Take control of your student loan repayment by refinancing with SECU!


Refinance and consolidate your private and federal student loans (including PLUS loans) into a new manageable loan with one convenient payment and potentially lower your interest rate1. Featuring competitive rates and zero origination fees, you can simplify your life and potentially save on overall interest, lower your payment, or pay your student loans off faster. 


Check out some of these great benefits

  • Refinance and consolidate your student loans up to $150,000

  • Competitive interest rates as low as 4.17% APR
    (includes 0.25% discount for optional enrollment in automatic electronic payments)

  • Flexible repayment terms to fit your needs
    (view our rates page for more information, repayment examples, and important disclosures)

  • No origination fees or prepayment penalties

  • Borrow from a not-for-profit credit union you can trust



1. Subject to credit qualification and additional criteria, including graduating from an approved school.

IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information. 



A better deal from your local not-for-profit cooperative


More than 2,000 approved schools across the country


Answers to your most common questions


Financial resources to help you succeed in college and beyond