Emery FCU has been approved to offer Student Loans!

he innovative Smart Option Student Loan helps you save money, build your credit, and pay off your student loan faster. It's an ideal education funding solution if you still need funds after maximizing grants, scholarships, and federal loans.

Benefits and Features

• Borrow the money you need — up to 100% of the cost of your education¹
• No origination fees³
• Enjoy a 0.25% interest rate reduction while enrolled in automatic debit monthly payments⁵
• Earn 2% back in rewards for on-time payments while in school⁶
• Applying online is easy — it only takes about 20 minutes
• 24/7 online account management
• No prepayment penalty

Fixed Repayment Option Benefits

With the Smart Option Student Loan Fixed Repayment Option, paying a little while in school could save you a lot. You can save over 20% throughout the life of the loan by making the required, monthly fixed $25 payments while in school and adhering to the shorter repayment period after school. The Fixed Repayment Option is a great choice, allowing you to stick to a budget while in school. Plus, you can save more than $6,000 and repay your loan an average of 5 years earlier compared to a traditional 15-year payment deferred private student loan.

Interest Repayment Option Benefits

With the Smart Option Student Loan Interest Repayment Option the more you pay, the more you save. You could save over 30% throughout the life of the loan by making required, monthly full-interest payments while in school and adhering to the shorter repayment period after school.  With the Interest Repayment Option, you can repay your loan an average of 8 years sooner and you can save more than $8,000 compared to a traditional 15-year payment deferred private student loan.