Refinance Student Loans

Refinance your existing student loans with Community Financial Credit Union to lower your monthly payments and reduce the interest rate. *View Terms and Conditions

Variable Rate

5.50%–9.00% APR

(with autopay View Conditions for Autopay Discount)

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Why Borrow With Us?

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Competitive Interest Rates

We can help you replace those high interest rates with a rate that better fits your budget and lifestyle.

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Borrow What You Need

Refinance up to $125,000 in undergraduate student loan debt or $175,000 in graduate debt.

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Simplify Your Finances

With one easy monthly payment, you won't need to keep track of multiple bills.

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0.25% Interest Rate Reduction

Set up recurring monthly payments and enjoy a reduced interest rate.

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Interest-Only Repayment

Better manage your expenses and budget by enjoying initial interest-only payments on certain loan terms.


15 Minutes & Done

Complete your entire application online in under 15 minutes.

  • Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.
  • No Origination Fee — Why pay us money to process your loan application? We'll never charge you any origination fees.

Are You Eligible?

In addition to Community Financial Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You and your cosigner (if applicable) are US citizens or permanent residents.
  • You've graduated from an eligible school.
  • You're refinancing private and/or federal loans.
  • If you have loans for exam preparation classes (including LSAT, MCAT, GMAT, and GRE), they're not eligible for refinancing.
  • You're a member of Community Financial Credit Union (or willing to join during the online application process).
Have a Question? 888-549-9050 Monday to Friday: 9:00 AM - 8:00 PM ET