OU Credit Union Loan Options for Students

College is a big investment -- and having the right financial support can make all the difference. OU Credit Union offers student loan options built specifically for Oakland University students, with competitive rates, flexible repayment options, and support every step of the way.

Whether you're covering tuition, housing, or other education-related expenses, we're here to help you focus on what matters most: your success.

Student Success Loan

We want to help you experience everything higher education has to offer. Whether you're an undergraduate or graduate student, studying online or taking classes on campus, OU Credit Union's Student Success Loan can help with your college costs.

• Use for tuition and living expenses
• Cosigner release after 36 on-time payments (if required)
• View the available rates and terms
• Create a plan with the College Savings Calculator

Applying for an OU Credit Union Student Success Loan is free and easy, with a decision in minutes!

Apply Now

Graduate Loan

Graduate school comes with unique financial needs -- and your loan should reflect that. Our Graduate Loan is designed to support students pursuing advanced degrees with flexible terms and repayment options.

Designed for graduate and professional degree programs:
• 0.25% auto-pay discount
• Repayment terms up to 15 years
• Residency deferral options are available
• Flexible repayment and competitive rates

With OU Credit Union, you'll have access to personalized support and a loan designed to help you move confidently into the next chapter of your education.

Apply Now

Black and Gold Loan

OU Credit Union's Black & Gold Loan can help you finance Oakland University expenses - from professional and continuing education programs that might not be covered by traditional financing options, upgrade your laptop, Alternative Spring Break, or Study Abroad!

• Rates as low as 7.00% APR
• No application fees or prepayment penalties
• 24 months to repay

To apply for the Black & Gold Loan, stop by a branch or call us at 800-766-6828. Or, complete the form below and a member of our Lending team will follow up with you!

Black and Gold Loan

Parent Loan

When family helps pay for college, it shouldn't be complicated. Parents or other creditworthy adults are eligible to borrow funds (loan amounts: $3,000 to $95,000) on behalf of the student with the Parent Loan. View rates and terms. The Parent Loan features:
• fixed- and variable-interest rate options
• terms of 5, 10, or 15 years
• flexible repayment options Receive a 0.25% discount when you set up ACH payments!

Apply Now

Student Loan Refinance Program

Ready to simplify your student loans now that you've graduated? Refinance both private and federal student loans to combine loans (loan amounts from $10,000 to $250,000) or lower your monthly payment with the Refinance Loan Program. View rates and terms.

The Refinance Loan Program features:
• fixed- and variable-interest rate options
• terms of 5, 10, or 15 years
• repayment options to fit your budget

Receive a 0.25% discount when you set up ACH payments.

Apply Now

Resources to Be a Smart Borrower

We understand that navigating loans as a student can be tricky, but we're here to help you succeed. We've partnered with some exciting fin-techs to bring you the best resources and help you on your financial journey.

OU Credit Union Fin-Life Changed College Savings Calculator Financial 4.0

APR is annual percentage rate, and is subject to change. You will be advised of any change to the loan rate. Member is only allowed one (1) Green & White Loan at a time.

Loan Payment Example: The monthly payment per $1,000 borrowed at 7.00% APR for a term of 24 months would require 24 monthly payments of $44.77 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

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Resources to Be a Smart Borrower