Become A Member Find a Location Appointments
Skip to main content
First Tech Routing #321180379

Fixed-rate loans.

Save thousands of dollars when you refinance your student loans with First Tech.

As low as 8.60% Annual Percentage Rate (APR)8.60% 1

Apply
Guy showing affection to their dog in the back of their car.
Fixed Rate Apply

Refinance or consolidate your student loans.

Whether you’d like to pay off your loans faster to save on overall interest, or you’d simply like to lower your monthly payments to free up cash for other things, we have plans that can help and experts to walk you through the details. Explore your options with one of our Student Loan Specialists and see how much you can save.

  • No application fees, origination fees, or prepayment penalties
  • Flexible loan terms of 5, 7, 10, or 15 years1
  • No payments for 90 days2
  • DebtSafe® Optional payment protection
  • No-cost, no-obligation consultation by calling 1.888.422.5680

A personalized First Tech Rate in 30 seconds or less with check my rate.

Click the “Check My Rate” button below to get your rate! Checking your rate will not affect your credit score.3

What is Check My Rate? Have more questions like this? Check out our full FAQ for more information. 
Check my rate

Student Loan options.4

Fixed-Rate Loans

As low as 8.60% Annual Percentage Rate (APR)8.60% 1

Our most popular loan, Pay off your current student loan faster or consolidate multiple loans to get a great rate with one easy monthly payment.
Check my rate

Balloon Loans

As low as 11.40% Annual Percentage Rate (APR)11.40% 5

A flexible option for working professionals just starting out. Get a lower payment now and have one larger payment later when you expect to have more income.  
Learn More

Interest-Only Loans

As low as 11.40% Annual Percentage Rate (APR)11.40% 6

Allows you to make lower, interest-only payments at first, with a repayment schedule that grows with your income. You can pay down principle at any time with no penalty.
Learn More
1
Student Fixed-Rate Loan example: $62,589 borrowed at 9.57% Annual Percentage Rate (APR) for 180 months = $10.48 per month per $1,000 borrowed.
2
Deferring your first payment (up to 90 days from the funding date of your loan) is optional and is not a condition of your loan. Deferring your loan payment may affect your APR and the total interest you pay. All other loan terms and provisions will remain the same.
3
Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
4
The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.
5

40% Balloon Student Loan example: $47,737 borrowed at 12.99% Annual Percentage Rate (APR) for 180 months = $497.59 per month with one final balloon payment of $19,095 due at the end of the loan term.

50% Balloon Student Loan example: $47,737 borrowed at 13.13% Annual Percentage Rate (APR) for 180 months = $475.48 per month with one final balloon payment of $23,869 due at the end of the loan term.

6

Interest Only 1 to 5 year Loan example: $71,116 borrowed with a 12.99% Annual Percentage Rate (APR) has a payment of $769.83 during the Interest Only repayment period for the first 5 years based on the outstanding principal balance. For the remaining years of the 15-year term, the payment will be $1,061.42 to include principal and interest combined.

Interest Only 6 to 10 year Loan example: $25,000 borrowed with a 13.79% Annual Percentage Rate (APR) has a payment of $287.29 during the Interest Only repayment period for the first 10 years based on the outstanding principal balance. For the remaining years of the 15-year term, the payment will be $578.99 to include principal and interest combined.

Top