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Your Local Advantage: Why a Credit Union Private Student Loan Could Be Your Smartest Choice

Save thousands of dollars over the life of your loan by understanding all your borrowing options early. Paying for college isn't easy; it's one of the biggest financial decisions your family will face. Whether you're heading to campus for the first time, a parent piecing together a funding plan, or an InFirst member closing a tuition gap, making smart choices now pays off later.

You don't have to rely only on big banks or national online lenders. A credit union private student loan is a powerful, local alternative that's often overlooked. If you're a Virginia student or family looking for a trustworthy partner, taking a closer look at local options can make a huge difference in your financial future.

Start Here: Always Exhaust Federal Student Aid First


Keep your borrowing costs as low as possible by tapping into federal student aid before looking anywhere else.

Federal loans from the U.S. Department of Education generally offer fixed interest rates set by law, access to income-driven repayment plans, and forgiveness options that private loans can't match. Complete your Free Application for Federal Student Aid (FAFSA) each academic year, grab every grant and scholarship opportunity you can, and borrow as much federal aid as you qualify for.

When federal loans, scholarships, and savings aren't quite enough to cover the full cost of attendance, private student loans step in to fill the gap. If you're at that point, we've got you covered.

What Makes a Credit Union Student Loan Different


Enjoy lower rates, fewer fees, and personalized support that puts your money back where it belongs, in your pocket.

When you borrow from a big bank or online lender, you're dealing with a for-profit business designed to satisfy outside shareholders. InFirst Federal Credit Union works differently. As a not-for-profit, member-owned institution, our focus is entirely on you. Any money that would otherwise go to corporate profits goes right back into serving our members through better pricing and one-on-one service that national lenders just can't match.

That's the core credit union advantage: when InFirst does well, you do well.

Why Virginia Students Should Consider InFirst FCU for Private Student Loans

Get competitive pricing combined with personal service from people who actually know your name. When you're shopping for loans, the numbers matter, and so does having a partner you can trust. Here's what you get with InFirst:

  • Real, face-to-face local support. Skip the confusing call centers. Since 1935, our branches in Roanoke, Salem, King George, Alexandria, and Fredericksburg have been staffed by neighbors who live and work right in your community.

  • Ownership that works for you. As an InFirst member, you're a part-owner. Our goals line up directly with yours, creating a supportive partnership you won't find at a traditional bank.

  • Rates that fit your budget. Because we're not-for-profit, we work hard to keep rates competitive or better than traditional bank quotes. See what you'd save on our current rate page. Rates depend on creditworthiness, and terms may vary.

  • Coverage for all your actual costs. Federal loan caps can leave a frustrating gap. Our private loan options help cover tuition, fees, housing, and living expenses at eligible schools.

  • Honest guidance aimed at your success. We want you to make smart choices. That means giving you clear, straightforward advice on what a private loan is, what it isn't, and whether it makes sense for your situation.

A Note for Parents: Co-Signing and the Private Student Loan Process

Lock in a lower rate and save more on your student's education by combining forces on their application.

Most students haven't built up a detailed credit history yet, so having a parent or guardian co-sign is often the key to unlocking a private student loan. A strong co-signer credit profile can help secure much better interest rates. Just keep in mind that co-signing means sharing responsibility for the loan, so it's a good idea to review the repayment terms together before signing.

See full details on eligibility and connect with your nearest InFirst branch whenever you're ready to chat.

Who Can Join InFirst Federal Credit Union

Joining InFirst is easy, and you might already qualify to enjoy all the perks of membership. You're eligible if you are:

  • Anyone who lives, works, worships, or attends school in most of Roanoke, Salem, Botetourt, Vinton, and King George, VA.

  • Retired federal employees receiving an annuity through the Office of Personnel Management (OPM).

  • Members of the InFirst Responders Foundation.

  • Employees of select federal agencies, including OPM, FCC, FTC, PBGC, SEC, FEMA, STB, MSPB, and OGE.

  • Immediate family members of existing InFirst members.

If any of these apply, see if you qualify today and unlock your membership access in just a few quick steps.

Ready to Explore Student Loans with InFirst FCU?

Get transparent, reliable financial help backed by over 90 years of experience serving Virginia families. Taking on a student loan is a big deal, and we're here to make sure you feel confident every step of the way.

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