In observance of Martin Luther King Jr day, our office will be CLOSED Monday, January 18.

Student Loans

We believe in helping our members make their dreams a reality – allowing them to achieve their best life. That’s the reason we partner with Student Choice, to offer you a superior private student loan option.

No Origination Fee

Why should you pay extra when applying for a loan?
Ours has zero origination or application fees.

Rate Discounts

Save money where you can! Take 0.25% off your approved rate when you opt for automatic payments.

24/7 Call Center

Get the help you need, when you need it. Call 866-824-3351 to speak with a student loan specialist.

Icon with a blue background and black graduation cap


We know that Federal aid and grants/scholarships don’t always cover the full cost of obtaining a higher education. Money FCU is here to help you achieve your best life with a private student loan solution.


We always recommend you take the free (scholarships/grants) and cheap (Federal aid) money first. If that’s still not enough to pay your bill, our private student loan may cover the funding gap. Visit for additional help with the financial aid process, finding grants and scholarships, and completing the FAFSA.


  • Line of credit structure simplifies the process by allowing returning borrowers to request a draw vs. completing another application
  • Borrow up to $50,000 with rates as low as 4.25%
  • Rate discount of 0.25% by opting for automatic payments
  • No origination fees or prepayment penalties
  • Flexible repayment options
  • Full deferment of principal and interest while in school
  • Borrow from a not-for-profit credit union you can trust
  • Someone to personally walk you through the process with our College Access Counselor – ask a question or make a one-on-one appointment
  • Co-borrower can be removed from the loan if certain criteria are met


Undergraduate (U.S. citizens or permanent aliens) students enrolled at least half-time in a four-year degree-granting program at an approved public or private non-profit school.

If you are not a member of MONEY Federal Credit Union, you may apply for the student loan, but would need to become a member in order for the loan to be funded. It only takes $5 to open an account and join our credit union family! Anyone who lives, works, or attends school in our local region (Onondaga, Oswego, Cayuga, or Madison County) is eligible for membership, or if an immediate family member has an account with Money FCU.


Call (315) 671-4000 or chat with us, Monday-Friday 9am-4pm! You can also call our dedicated student loan call center at 866-824-3351. Someone is there to answer your questions 24/7.

Undergraduate Line of Credit Information: 866-824-3351   |   Existing Student Loan Information: 800-723-2210

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