3.99% APR Student Loans

College is expensive...we can help!

USU Credit Union is offering 3.99% APR Student Loans with affordable repayment options. To apply stop by our Campus Branch located in the Welcome Center or at any of our USU Credit Union or Goldenwest Credit Union branches. You can also call to speak to a loan officer at 800.248.6361 opt. 2.

Branch Locations


  • Borrow up to $10,000 for the school year.
  • Interest rate of 3.99% fixed and minimum $25 monthly payments are required during the 30-month deferment period.
  • After 30 months deferment, payments will begin with a 5-year repayment plan at the current prime rate plus 1% interest and will remain fixed for 60 months.


  • Must be a Junior or Senior undergraduate student enrolled in a minimum of 12 credit hours, or graduate student enrolled in a minimum of 8 credit hours, at Utah State University.
  • Must have a minimum overall GPA of 3.0 or higher.
  • Must open a USU Credit Union checking account and make your student loan payment using auto-pay.


USU Credit Union is conveniently located on USU campus in the Welcome Center, and we have 5 other locations located throughout Logan. Or, if you prefer call 800.248.6361, option 2.

Branch Locations

Interest rate of 3.99% APR for 30 months deferral period with a $25 min payment, and a 60 month repayment period at prime plus 1% fixed rate for 60 months. Visit any USU Credit Union or Goldenwest Credit Union branch for specific terms and details. Equal Opportunity Lender.