Student Loans

Student Loans Smart Option Student Loan® by Sallie Mae®


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Now you can pay for college the smart way with great repayment options.

Heritage Family Credit Union offers student loans through the Smart Option Student Loan® by Sallie Mae®. This is an ideal solution to help bridge the gap between federal loans and the cost of your education expenses.

The Smart Option Student Loan offers features and benefits including:

• Competitive Interest Rates.
• Borrow up to 100% of school certified education costs (minimum $1,000).
• Multiple in-school repayment options available.
• Borrower benefits available - like rewards and interest rate reductions.
• Rates that reward creditworthy borrowers.
• Applying with a creditworthy co-signor may help you qualify and/or receive a lower rate.
• Fast online application. The easy-to-complete application takes approximately 20 minutes.
• 24/7 online account management.
• No prepayment penalty.
Emerald VISA
Emerald VISA cards give you the purchasing power you need when you need it. The credit union offers several great Emerald choices for you and your business. Our Emerald VISA cards offers members Choice Rewards, a program specially designed to reward members for their VISA usage.
Shared Branching
Heritage Family Credit Union is part of “shared branching” - through our partnership with other credit unions, you can conduct transactions in participant’s branches just as if you were in a Heritage Family Credit Union branch.