Stay secure: Be cautious of phone calls claiming to be from UNFCU reporting fraud on your accounts.  Contact us directly to verify.
Group of individuals throwing their graduation caps in the air.
Education Loan

Invest in a bright future

Pay for tuition and supplies at any learning institution

On this page:

Whether school is across continents or down the street, invest in yourself or support a loved one on a learning journey. We specialize in understanding various UN contract terms, often enabling us to lend to more members at competitive rates.

More benefits

  • Board check.

    Apply for free

    Apply online or in person with no application fee or origination fee.

  • Calendar.

    No fee for repaying early

    There are no pre-payment penalties if you choose to pay back your loan before the end of your term.

  • Checkmark.

    Earn rebates & extra dividends

    Your loan balance with us contributes to your eligibility for Member Loyalty Rewards

  • Personal protection.

    Protect your loved ones

    Your loan includes payment coverage in the event of your passing. 

Education loan details

Included with an education loan


Loan amount

Included with an education loan

Up to $150,0001


Included with an education loan

Fixed starting at 7.75% APR3


Included with an education loan

Up to 15 years
(shorter terms offer lower rates)

Collateral required

Included with an education loan


Decision time

Included with an education loan

As little as four business days

Application fee

Included with an education loan


Pre-payment penalties

Included with an education loan


Origination fee

Included with an education loan


Disbursement time

Included with an education loan

As little as three business days4

Member Loyalty Rewards

Included with an education loan

Credit Life Protection

Included with an education loan

Credit Disability Debt Protection

Included with an education loan

Enroll for a fee

Consistent monthly payment amounts

Included with an education loan

Board check.

Check your eligibility

Repaying what you borrow should never be a struggle. We evaluate each loan request based on factors that can affect your ability to repay. View eligibility criteria.

Two individuals looking at a cellphone.

Apply for an education loan

Complete your online application 24/7 from anywhere in the world.

Top education loan FAQs

All UNFCU loans are in US dollars (USD).

Unsecured loans are not backed by collateral. This means there is no asset for the lender to claim if the borrower is unable to pay back the loan. Our unsecured personal loan is an example of an unsecured loan.

A secured loan requires an asset as collateral. For example, a mortgage is a secured loan. The home being purchased is used as collateral to secure the mortgage. In the event the home buyer is unable to repay the mortgage, the lender can claim the property.

For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable. 

You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.

Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.

We offer Credit Disability Debt Protection. If you become disabled and lose your income, you can continue making your UNFCU loan and credit card payments. 

To receive this protection, the primary borrower must enroll for it. A fee of $0.15 per $100 will then be added to the outstanding loan balance. For example, if at the end of the month your loan balance is $5,000, a $7.50 fee will be added. 

The application is quick and a physical exam is not required. Call or visit us in person to enroll. 

Resources to help you get started

Visit the Help Center

Compare loans calculator


Required documents for your loan application


Loan payment calculator


View loan statements 

More ways to borrow

Browse multi-purpose loans and loans for specific purposes, all designed for the UN community.