United Churches Credit Union

Welcome United Churches Credit Union Members!

Thank you for visiting Thrivent Student Resources. We are pleased to announce our partnership with UCCU.  The mission of TSR is to help Christians reach their educational goals without excessive debt. We’re sure you agree, the old way of student lending needs an old fashioned overhaul. It's time for more handholding and less handcuffing. So from helping you plan for college, to making sure you don't spend the rest of your life paying for it, we're here for you every step of the way. This is the New School Mindset.

Please explore our resources to help you on this journey and then make a decision whether you need additional funding. Our student loan products are offered through another trusted partner, Thrivent Federal Credit Union. If you have questions regarding whether a loan is right for you, we are available to help:

Questions about student lending, product questions and membership? Call 866-226-5225

Questions about an existing application in process? Call 866-540-3191

TSR is backed by Thrivent Financial, a membership-owned financial services institution for Christians that helps members make financial decisions that reflect their values. With more than $116 billion in assets under management/advisement as of 12/31/16, Thrivent's 100+ years of strong, stable financial performance enables us to know exactly what it takes to improve the system.

Undergraduate and Graduate

Thrivent Private Student Loan

  • Fixed rates as low as 5.20% APR1
  • Variable rates as low as 4.25% APR2
  • Repayment Terms – up to 15 years3
  • Max Borrow Amt - $80,000.00
  • Repayment Options:
    • Full Deferment
    • Immediate Repayment
    • Interest Only
    • Minimum In-School

Refinance

Thrivent Education Refi Loan

  • Fixed rates as low as 3.99% APR1
  • Variable rates as low as 4.25%2
  • Repayment Terms - Up to 15 years3
  • Max Borrow Amt - $120,000.00
  • Repayment Options:
    • Graduated
    • Immediate Repayment
Click here for Terms & Disclosures

APR stands for Annual Percentage Rate.

1 For our fixed-rate loans, the APR's in effect as of 10/1/2018 range from 5.20% to 9.99% depending upon your and/or your co-signer's credit histories and the repayment option you select.

2 For our variable-rate loans, the APR's in effect as of 10/1/2018 range from 4.25% to 11.25%, depending on your and/or your co-signer's credit histories and the repayment option you select.

3 This informational repayment example uses typical loan terms available to a graduate who elects to make no payment while in school for 4 years and a 6 month grace period; has a $10,000.00 loan with two disbursements and a 5.23% fixed APR: 126 payments of $129.76 for a total paid of $16,349.73.

This informational repayment example uses typical loan terms available to a graduate who elects to make no payment while in school for 4 years and a 6 month grace period; has a $10,000.00 loan with two disbursements and a 6.35% variable APR: 126 payments of $143.78 for a total paid of $18,116.37. Variable rates may increase after consummation.

Deposit and lending services are offered by Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Must qualify for membership. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principle amount invested.

Click here for Terms & Disclosures

APR stands for Annual Percentage Rate.

1 For our fixed-rate loans, the APRs in effect as of 10/1/2018, range from 3.99% to 9.99%, depending upon your and/or your cosigner’s credit histories and the repayment option you select.

2 For our variable-rate loans, the APRs in effect as of 10/1/2018, range from 4.25% to 11.25%, depending on your and/or your cosigner’s credit histories and the repayment option you select.

3 Graduated Repayment Plan Payment Example – This informational repayment example uses a 15-year loan term available to a borrower who elects the graduated repayment plan and makes lower payments for the first 2 years in repayment, has a $30,000 loan and a 3.99% fixed APR: 24 payments of $143.05; 156 payments of $237.90 for a total paid of $40,546.41.

Immediate Repayment Plan Payment Example – This informational repayment example uses a 15-year loan term available to a borrower who elects the immediate principal and interest payment plan; has a $30,000.00 loan and a 3.99% fixed APR: 180 payments of $221.75 for a total paid of $39,915.86.

Graduated Repayment Plan Payment Example – This informational repayment example uses a 15-year loan term available to a borrower who elects the graduated repayment plan and makes lower payments for the first 2 years in repayment, has a $30,000 loan and a 4.75% variable APR: 24 payments of $156.49; 156 payments of $249.96, for a total paid of $42,750.43. Variable rates may increase after consummation.

Immediate Repayment Plan Payment Example – This informational repayment example uses a 15-year loan term available to a borrower who elects the immediate principal and interest payment plan; has a $30,000.00 loan and a 4.75% variable APR: 180 payments of $233.35, for a total paid of $42,000.92. Variable rates may increase after consummation.