Waco, TX
We know you’re facing some high key stress right about now, but whether you’re filling out your first application or your 101st, we’re here to help.
Top 3 reasons to apply for your student loan with us:
1. Our application is short. You won’t spend all day filling in the same info.
2. We don’t charge an application fee.
3. We KNOW student lending…after all, it’s literally in our name: “University Credit”
Most of our current members are people who live, work or worship in the Waco are or are:
*Baylor University Students, Employees, Alumni, and members of the Baylor Air Force ROTC
*Aramark Employees
*People who work or reside on Baylor-owned properties
*Relatives of current 1st UCU members
*Baylor Alumni by Choice members - members of this association are friends of Baylor, but not traditional alumni
Simply give us a call at
(254) 752-2797
and we’ll work with you to get your membership started.
1st University Private Student Loan
Repayment Terms: Up to 15 years
Max Borrow Amt: $150,000
Repayment Options: Immediate Repayment, Interest-Only Repayment, Deferred Repayment
This fixed rate loan provides the security of a locked-in interest rate over the life of your loan.
Loan Discount Details
• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.
* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.
1st University Private Student Loan
Repayment Terms: Up to 15 years
Max Borrow Amt: $150,000
Repayment Options: Immediate Repayment, Interest-Only Repayment, Deferred Repayment
This variable rate loan provides a lower rate up front that could increase or decrease quarterly.
Loan Discount Details:
• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.
* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.
1st University Credit Union Private Parent Loan
Repayment Terms: Up to 15 years
Max Borrow Amt: $150,000
Repayment Options: Immediate Repayment, Interest Only Repayment
This fixed rate loan provides the security of a locked-in interest rate over the life of your loan.
Loan Discount Details
• 0.25% discount for auto payment of principal and interest.
* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.
1st University Credit Union Private Parent Loan
Repayment Terms: Up to 15 Years
Max Borrow Amt: $150,000
Repayment Options: Immediate Repayment, Interest Only Repayment
This variable rate loan provides a lower rate up front that could increase or decrease quarterly.
Loan Discount Details
• 0.25% discount for auto payment of principal and interest.
* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.
1st University Credit Union Private Refinance Loan
Repayment Terms: Up to 15 years
Repayment Options: Immediate Repayment
This fixed rate loan provides the security of a locked-in interest rate over the life of your loan.
Loan Discount Details:
• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.
* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.
1st University Credit Union Private Refinance Loan
Repayment Terms: Up to 15 years
Repayment Options: Immediate Repayment
This variable rate loan provides a lower rate up front that could increase or decrease quarterly.
Loan Discount Details:
• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.
* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.
To learn more, visit https://www.culink.net/student-loans
Federal student loans permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.
Contact 1st University Credit Union today and we’ll be happy to discuss your options with you.
254.752.2797
Monday: 9:00 AM - 5:30 PM CT
Tuesday: 10:00 AM - 5:30 PM CT
Wednesday - Friday: 10:00 AM - 5:30 PM CT