* APR = Annual Percentage Rate. Program Limits. Certain requirements apply. Rates and terms based on credit criteria and are all subject to change. Please call any of the Credit Union's offices for current interest rates and policies. See credit union for current rate and fee schedule. Subject to Credit Union approval. Certain requirements apply. A qualified student is one who is enrolled in an undergraduate or graduate degree seeking program at least half-time at an eligible school and who has met the underwriting criteria for loan approval.