Investing in yourself starts with a financial investment.

Support your educational pursuit with a student loan package that fits your needs. Signature Student Loans are available in a variety of packages with various amounts, terms and APR.

Student Loans
Loan Type Repayment/Term APR as low as* Estimated Payment1
Educational Term Loan2

(Up to $50,000)

1 to 84 months At time of loan, rate will be fixed at Prime, plus 1.75% $14.14 per $1,000 financed

Educational Term Loan2

(Up to $50,000)

85 to 144 months At time of loan, rate will be fixed at Prime, plus 2.00% $9.38 per $1,000 financed

Educational Term Loan2

(Up to $50,000)

145 to 180 months At time of loan, rate will be fixed at Prime, plus 2.25% $8.18 per $1,000 financed

Educational Line of Credit2

(Up to $50,000)

Terms of 1 to 20 years Variable and is Prime plus 1.00%  

Home Equity Line of Credit (HELOC)*3

(Based on Available Equity)

Amortized over 15 years. Draw period of 10 years and a 15-year repayment after draw period ends. Variable rate figured at Prime minus 0.50%  
Student Visa® 
(Up to $10,000)
  7.99% APR  


*APR = Annual Percentage Rate. Your actual APR will be determined at the time of application and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Rates are set by the Board of Directors and may change without notice.

1Estimated payments based on highest term and lowest rate available. Payments will vary based on rate you qualify for.

2Member will receive a 1098E at the end of the year.

3A floor rate may apply to HELOC products. Investment Properties up to 75% combined loan to value and maximum terms of 15 years are subject to a 1.00% higher rate and a 1% origination fee. All rates are subject to change daily. Maximum allowable rate for variable rate loans is 18% APR.  Rates on Variable Rate loans is subject to change after consummation. There is a $500 initial advance required at time of funding. We are currently unable to offer HELOC loans in the state of Texas. Signature will pay closing costs up to $1,000 of the closing costs associated with the processing of your Home Equity Loan which include but are not limited to; credit report, flood determination, verification of employment, settlement charges, title, and appraisal fees. This aso includes government charges and recording fees.This offer excludes the processing fee and any origination fees charged for investment properties. Closing costs vary based on location, type of property and the loan amount. Any closing costs over $1,000 (generally $0 - $500) are paid by the member and can be added to the loan request. Paying your loan off within 3 years (36 months) from the loan origination date, will result in the reimbursement of all closing costs associated with this loan transaction paid by Signature Federal Credit Union. These costs will be added to the payoff of this loan. An employment verification fee of $21.80 will be assessed for each working applicant and a processing fee of $150 also applies, and is the responsibility of the member.