Baylor University Student Loans
1st University Credit Union
Stress Less About Paying for College
Making smart financial decisions when it comes to paying for higher education is more important than ever. That’s why we offer Education Loans developed specifically to help pay for college when scholarships, grants, and federal aid just aren’t enough to cover the full cost of attendance.
Your Dreams. Our Affordable Financing Options.
We take great pride in our collaboration with Colleging to provide financing options for students to fulfill their higher education goals. Providing our members with the essential opportunities and financial resources necessary for their success is at the heart of our mission.
In-School Undergraduate & Graduate Student Loans
College is expensive and paying for it can be stressful. Our in-school loan helps undergraduates and graduates pay the full cost of attendance and living expenses. Get a credit decision in minutes.
Repayment terms of 5, 10, and 15 years
Borrow from $3,000 up to the cost of attendance as certified by your school
.25% discount for automated payment deduction
Cosigner release after 36 on-time payments
Complete your entire application in minutes on your phone, tablet, or laptop or start on one device and finish on another.
Parent Loans
Help with the cost of your college student’s tuition while they focus on their studies. Our Parent Loan helps pay the full cost of higher education attendance and living expenses. Get a credit decision in minutes.
Repayment terms of 5, 10 & 15 Years
Borrow from $3,000 to $150,000
.25% discount for automated payment deduction
Complete your entire application in minutes on your phone, tablet or laptop
Student Loan Refinance
Our Student Refinance Loan option gives you the freedom and flexibility you need to reach your goals after you leave school. Whether you want to reduce your payment, lower your interest rate, or combine all your loans to make life a little simpler, refinancing your Student Loan is an easy solution.
Repayment terms of 5, 10, and 15 years
Borrow from $10,000 to $250,000
.25% discount for automated payment deduction
Cosigner release after 36 on-time payments
Complete your entire application in minutes on your phone, tablet, or laptop or start on one device and finish on another.
Returning Borrowers
If you’re a returning borrower, click the button below to easily access your account.
Student Loan Rates and Terms
To view the current rates and terms for each of our Student and Education Loans, click here.
Map Your Journey to Success
Navigating the realm of student aid may seem complex, but it doesn't need to be. Our user-friendly resources, created by students for students, are designed to guide you through every step of the process. Having a clear roadmap can significantly ease the journey into adulthood. Explore our website for a comprehensive range of information covering topics such as:
Planning for College
Saving for College
Paying for College
Life in College
Adulting 101
and more!
We highly recommend students apply for and utilize all federal student aid programs through the Free Application for Federal Student Aid (FAFSA) at www.fafsa.gov prior to applying for any private student loan. 1st University Credit Union’s student loan program is offered through a partnership with Colleging and is not a federal student loan program. Unless you are a current account holder, you must agree to open an account at 1st University Credit Union before any loan proceeds are sent to your school.
COME JOIN THE 1ST UNIVERSITY CU FAMILY
You can become a member of 1st University CU by opening and depositing $5.00 or more into a share savings account. The minimum balance requirement for your account is $5.00, which must be maintained while it is open. Once you have opened a share account, you become eligible for all other credit union services. Membership is open to anyone, and our current members typically include:
- People who live, work, or worship in the Waco, Texas, area
- Baylor University Students, Employees, Alumni, and members of the Baylor Air Force ROTC
- Chartwells Employees serving Baylor
- People who work or reside in Baylor-owned properties
- Relatives of current 1st UCU members
- Baylor Alumni by Choice - members of this association are friends of BU but not traditional alumni
When you become a member at 1st University CU, it's a membership for life. No matter if there is a change in employment, family relationship, or place of residence, 1st University CU is always here for you. Get started today and open your account online, visit your local branch, give us a call, or request to talk to a representative who can help answer your questions.
VISIT US
Campus Branch
24 La Salle Ave Unit C
Waco, TX 76706
PHONE NUMBERS
Phone: (254) 752-2797
Fax: (254) 752-0552
Lost or Stolen Debit/ATM Card: (254) 752-2797
EMAIL ADDRESS
Please do not put any confidential information (account number, social security number, etc.) in your email.
OFFICE HOURS
Monday–Friday: 9:00 a.m. to 5:30 p.m.
CO-OP SHARED BRANCHING
Locate a shared branch or ATM at www.sbonthego.com
MAILING ADDRESS
One Bear Place 97102
Waco, TX 76798