Refinance Student Loans

Refinance your existing student loans with Union Building Trades FCU to lower your monthly payments and reduce the interest rate. *View Terms and Conditions

Variable Rate

2.00%–4.23% APR

(with autopay View Conditions for Autopay Discount)

Fixed Rate

3.00%–8.25% 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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Flexible Rates and Terms

Pay your loan off quickly, or keep your monthly payments as low as possible — the choice is yours.

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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.
  • Release Your Cosigner — Give more flexibility to your cosigner by releasing them from your loan after making 24 consecutive on-time full principal and interest payments. §
  • 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 Union Building Trades FCU's underwriting criteria, you must also meet the following eligibility requirements:

  • You have a cosigner applying with you.
  • You and your cosigner 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 Union Building Trades FCU (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