Woman standing outside a building in the snow. She is wearing a beanie and holding a black folder. HRCU logo in the upper left corner with blue words underneath saying “When it comes to college funding, Don’t get left out in the cold.” White snowflake image with a dark and light blue border to the right and inside is says “Rates as low as 5.69% APR2.” There is a dark blue box with a smaller lighter blue rectangle. Lighter blue box has white and yellow words “STUDENT LOAN REFINANCING”. Below in dark box, yellow and white words say “Unique line of credit, competitive rates, online application, personalized support. For a limited time – enjoy a $250 refi bonus!1” Disclosure, NCUA, and EEOL symbols at the bottom.

Refresh your college funding with our $250 Refi Bonus!1

Don’t get left out in the cold by refinancing your student loans today!


Simplify your student loans with one consolidated monthly payment. Rates starting at 5.69% APR2 for student loan refinancing. Stop by any location to learn more or apply online today!


Learn more about Student Loans. This is a limited time offer it won’t last long!


1Existing student loans at other institutions that are refinanced or consolidated with an HRCU Student Choice loan, qualify to receive a $250 deposit in their HRCU account during our “Don’t Get Left Out in the Cold” promotion. This promotion applies to Student Choice products funded on or after 1/1/24 and continues until the promotion ends. Eligibility limited to Student Choice loans refinanced from another institution with a minimum loan amount of $5,000. Eligibility is also limited to applicants with a minimum 675 credit score. Not to be combined with any other promotion or discount. Qualifications are subject to change without notice.

2APR = Annual Percentage Rate. Rates and terms are current as of 1/1/24 and are subject to change without notice. All loan requests subject to credit approval. See the Credit and Security Agreements available at HRCU.