Why Borrow With Us?
Borrow What You Need
Borrow up to $40,000 per year, with a maximum of $60,000 in undergraduate loans or $150,000 in graduate loans.
Release Your Cosigner
Give more flexibility to your cosigner by releasing them from your loan after making 36 consecutive on-time full principal and interest payments. † View conditions for cosigner release
No Origination Fee
Why pay us money to process your loan application? We'll never charge you any origination fees.
Cover Your Education Costs
Use your loan for any qualified educational expense including tuition, room & board, books, and even computers.
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.
Are You Eligible?
In addition to North Bay Credit Union's underwriting criteria, you must also meet the following eligibility requirements:
- You've reached the age of majority in your state.
- You and your cosigner (if applicable) are US citizens or permanent residents.
- You're enrolled at least half-time at an eligible school.
- You have a GPA of at least 2.0.
- You meet the Satisfactory Academic Progress standards as defined by your school.
- You're a member of North Bay Credit Union (or become a member during the online application process).