Borrow smart. Save a lot!

With HeritageWest student loans, we’ll be with you or your student every step of the way – from freshman year to graduation. Use our student loans to pay for education expenses including tuition, books, room and board, technology, meal plans, and more!


Student Loan FAQs


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Student Benefits

Our private loan products are designed to fill the funding gaps that other sources of financial aid may leave behind. And since these loans are being offered through your credit union, you know you’re getting the best deal from a lender you can trust.

  • No origination fee.
  • Fully deferred payment while you're in school (optional).
  • Gives you the chance to reduce your interest rate by 0.25% during full repayment when you enroll in automatic payment.
  • Structured as a line-of-credit (LOC), which can be used over multiple years. The benefit is that with just one application, you can qualify for a LOC that will cover the remainder of your undergraduate career (up to $75,000).* Each year you simply determine how much of the eligible LOC amount you'll need - without having to complete a new application!
  • Offers flexible repayment options resulting in lower initial payments after graduation.

*Subject to qualification and annual credit review.

Eligibility & Requirements

  • Must be 18 years or older
  • Must be a U.S. citizen or permanent resident (international students may apply, but the cosigner must be a US citizen or permanent resident who has resided in US for the previous two years)
  • Enrolled at least half-time in a four year degree-granting program at an approved public or private non-profit school and meet the school’s minimum SAP (Satisfactory Academic Progress) criteria
  • Able to pass a credit check (a co-borrower may be necessary in order to meet credit criteria and may also help you qualify for a lower rate)
  • Eligible for HeritageWest membership (You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded.)

Enjoy the benefits of membership today!

No matter where life takes you, we’re here to help. Because once you're a member, you're always a member.