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Membership Information

UW Credit Union membership is required for student loan and consolidation borrowers. If you’re not already a member, you will be asked to complete our membership process after you apply for your loan2.

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Loans » Student Loans

Private Student Loans

This is a Qualifying Service
Featured Rates
Variable Rate
Private Student Loan
2.73%*
Fixed Rate
Private Student Loan
6.74%*
Variable Rate Private
Student Loan Consolidation
3.48%1
Fixed Rate Private
Student Loan Consolidation
7.49%1

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UW Credit Union offers budget-friendly solutions based upon your needs.


*Variable Rate: 2.68% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 2.73% accrues $1,148.80 in interest during 4 years in school and the 6-month grace period, resulting in 2.68% APR. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Private Student Loan, see the Application Truth in Lending Disclosure. Fixed Rate: 6.37% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 6.74% accrues $3,000.48 in interest during 4 years in school and the 6-month grace period, resulting in 6.37% APR. For further information on rates and costs for the Fixed Rate Private Student Loan, see the Application Truth in Lending Disclosure. You will be required to review the Application Truth in Lending Disclosure prior to submitting an application. For both Private Student Loans, the APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate. You are not required to make payments on your loan while in school, although you may make principal and interest payments any time. Making payments while attending school will lower your APR. The minimum loan amount is $1,000. Your interest rate will be determined by your credit score or your cosigner's, whichever is greater.

1Variable Rate: 3.48% annual percentage rate (APR). 180 monthly payments of $7.14 per $1,000 borrowed. Borrowing $20,000 at 3.48% accrues $5,700.43 in interest during the 15 year repayment term. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Private Student Loan Consolidation, see the Application Truth in Lending Disclosure. Fixed Rate: 7.49% annual percentage rate (APR). 180 monthly payments of $9.26 per $1,000 borrowed. Borrowing $20,000 at 7.49% accrues $13,351.73 in interest during the 15 year repayment term. For further information on rates and costs for the Fixed Rate Private Student Loan Consolidation, see the Application Truth in Lending Disclosure. For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner's, whichever is greater.

2 Membership is required when taking a loan out with us. If you are not currently a member of UW Credit Union, we will contact you to establish membership. Establishing membership is easy and includes opening a membership savings account. If you do not complete the membership application, we will create your membership savings account for you.

 

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UW Credit Union's Routing Number: 2759-7907-6
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UW Credit Union
pref 3500 University Avenue
Madison, WI 53744-4963 43.075532 -89.448226
UW Credit Union, postal PO Box 44963, Madison, WI 53744-4963
43.075532 -89.448226