Private Student Loans

Enjoy the following benefits with a private student loan through LendKey:

Lower payments with low interest rates
Tax deductible interest payments
Cosigner release option available
No origination fees or prepayment penalties
0.25% interest rate reduction for using ACH automatic payments

Apply for a Student Loan

Student Loan Refinance Options

Enjoy the following benefits when you refinance your student loans through LendKey and their marketplace partners:

Lower payments with low interest rates
Refinance federal and private student loans for undergraduate and graduate debt
Simplified finances with one simple monthly payment
No origination fees or prepayment penalties
Cosigner release option available
0.25% interest rate reduction for using ACH automatic payments

Vist Lendkey to view current rates.

See the Rates

Start Saving Early with a Coverdell ESA

Make it easier for a student in your life to fund the education they deserve. A Coverdell Education Savings Account (ESA) offers a tax-free way to grow your savings with competitive dividends, helping you build financial confidence for education, one of the most important investments you can make.

Coverdell ESAs can be used for more than college and universities. They can be used for elementary, secondary, vocational, and special education schools.

A Coverdell ESA can pay for a wide range of educational expenses, including:

Tuition and Fees: Payments for enrollment or attendance at an eligible educational institution.
Books and Supplies: Costs for textbooks, notebooks, and other necessary supplies.
Technology: Expenses for computers, software, and internet access, if used primarily for educational purposes.
Room and Board: Costs for housing and meal plans, if the student is enrolled at least half-time.
Special Needs Services: Expenses required for a special needs beneficiary to attend school.

Start saving today for the special children and grandchildren in your life today. They will appreciate you giving them a head start.

Set aside funds for education
No setup or annual fee
Dividends grow tax-free
Withdrawals are tax-free and penalty-free when used for qualified education expenses¹
Designated beneficiary must be under 18 when contributions are made
To contribute to an ESA, certain income limits apply²
Contributions are not tax deductible
$2,000 maximum annual contribution per child
The money must be withdrawn by the time he or she turns 30³
The ESA may be transferred without penalty to another member of the family

¹ Qualified expenses include tuition and fees, books, supplies, board, etc.
² Consult your tax advisor to determine your contribution limit.
³ Those earnings are subject to income tax and a 10% penalty.

Scholar Loan

Finances are hard for students. Scholar Loans from AHCU are unsecured signature loans designed specifically for students. Let us help you achieve your academic goals with the support you deserve.

What is a Scholar Loan?

This is an exclusive unsecured personal loan for active students that can be used for any purpose such as school supplies, bills, taxes, debt consolidation, transportation, travel, everyday spending, big purchases and more!

5.00% APR (co-signer may be required)
Maximum loan amount is $5,000
Maximum financing is 60 months (5 years)
Loan Funds will be deposited into an AHCU Checking Account.
Low-cost Credit Life and Disability Protection available
Supports students with little to no credit history

We’re here to support you at every stage of your journey—providing financial assistance as you pursue your education and build your future career.

Apply Now

If you are a current member, you can simply log into online banking, click (+) add account and choose Apply for a Loan.

Am I Eligible for a Scholar Signature Loan?

These loans are solely for borrowers currently enrolled in higher education.

Any field of study
Current Enrollment at community colleges, technical colleges, vocational colleges, and public and private universities
Existing or New Checking account required
Must enroll in automatic loan payment (can be an external account)

How Do I Prove I Am a Student?

Applicants must provide proof of student status using at least one of the following documents:

Transcript
Tuition bill/receipt
Proof of class registration
Letter from school verifying enrollment
Acceptance letter

These documents must show a relevant time/date stamp.

How Do I Apply for a Scholar Loan?

Contact our dedicated loan team at (651) 383-4000 or toll-free at 1-877-241-8233 to get your loan application started.

Scholarships for a Brighter Financial Future

We offer various scholarship programs to support students at different stages of their educational journey. These scholarships are available to our members and their families to help cover tuition, books, and other educational expenses.

2026 Eligibility Guidelines

The scholarships are available to AHCU members who will attend school in the fall of 2026 or current students in an accredited college, university or trade school. If you are currently attending an accredited college, university or trade school, the funds will be available for your 2027 spring tuition.

To be considered for our scholarships, applicants must meet the following criteria:

Be enrolled at an accredited college, university, or trade school.
Be a member of Associated Healthcare Credit Union.
Provide a school ID number upon selection, as the scholarship check will be sent directly to the school.
Submit a photo and a brief biography for display on our website upon winning.

Submissions are reviewed and selected by the credit union. The credit union assesses each application according to the quality, thoughtfulness, creativity, and relevance of their response.

Contest Categories

A $1,000 scholarship will be awarded in each of the categories listed below. Each category requires a specific type of media used to address a certain topic or answer a question.

Essay

Values That Guide You – Healthcare is built on compassion, responsibility, and service. Describe a value that guides your decisions and how it will shape your education and future career.

Download the Essay Application

Video

Your Future in 60 Seconds – Create a short video (60 seconds) showing what your future looks like and the impact you hope to make in your chosen field.

Download the Video Application

How to Apply

Download the application form of your choice and fill it out electronically.
Email the completed PDF along with any accompanying documentation to marketing@ahcu.org.

Applications must be submitted electronically using the PDF forms provided; we will not accept paper submissions or screenshots of the forms.

Applications will be accepted March 1st, 2026, through April 30th, 2026, 11:59 pm CST.

Questions? Please email marketing@ahcu.org. We are here to help and appreciate your interest!

Interested in Applying but Don’t Have an AHCU Account?

Applying is easy online and it only takes about 10 minutes. There is no “out-of-pocket” money to open an account when you apply for a scholarship because AHCU will deposit the $10 into your new savings account.

Click Here to Open an Account

*** WHEN YOU OPEN AN ACCOUNT***
On our new account application, underneath the boxes where you type in your name, there is a box that says “Are You Applying For An AHCU Scholarship?”. Click on the drop-down arrow and select “Yes”. Upon a successful application, we will deposit the first $10 into your Savings Account, making you a member and eligible to apply for the scholarship(s).

See our 2025 Scholarship Winners