Student Loan Refinance from Navy Federal Credit Union

Updated December 10, 2021
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Check your student loan rates

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Fixed APR
2.99 - 12.03%
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Variable APR
1.86 - 10.47%
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Amount
up to $175,000
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Grace period
6
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Degree
Graduate
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Co-signer required
Yes
See full info about rates in different states
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Options

  • Degree:
    Graduate
  • Bank:
    Navy Federal Credit Union
  • Credit Level:
    Poor (300-579)
  • When funds are available:
    14 business days.

Fees

  • Origination fee
    No origination fee.
  • Application fee
    No application fees.
  • Early payment fee
    No early payment fees.

Pros & Cons

Pros:
  • Fast application process
  • Competitive interest rates
  • No origination fees
  • No prepayment penalties
Cons:
  • Available only to existing NFCU customers

Variable rates

Rates
1.86 - 10.47%
Term
60 - 180 months
Loan Amount
$10,000 - $175,000

Fixed Rates

Rates
2.99 - 12.03%
Term
60 - 180 months
Loan Amount
$10,000 - $175,000
Autopay
0.25%*
* In case of using Autopay service your rate is reduced by 0.25%
View all Rates & Fees

Requirements

  • Ages

    You must be of legal adult age in your state of residence.

  • Residence

    You must be a U.S. citizen or permanent resident.

  • Requirements Description
    • Navy Federal Access Number
    • Social Security number
    • Government-issued ID
    • Permanent address, phone number and email address

Description

  • Navy Federal Credit Union offers loans for graduate and undergraduate students, for parents and borrowers with cosigners.

    NFCU has no application or origination fee. NFCU offers loans with fixed rates from 1.61% - 10.22% Variable, 2.99% - 12.03% Fixed (with Autopay).