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Student Loans

Student Loans

The Smart Option Student Loan® for Members of Southern Chautauqua Federal Credit Union by Sallie Mae®.

  • For borrowers attending degree-granting institutions.
  • Pay for college the smart way.
  • Three repayment options.
  • Competitive interest rates.

To learn more or to apply, please get started here.

Smart Option Student Loan Features include:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility.
  • No origination fee and no prepayment penalty.
  • Rewards and interest rate reductions available.
  • Rates that reward creditworthy borrowers.
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate.
  • 100% US-based student loan specialists.

Student Loans from SCFCU

  • Up to $7,500 for books and tuition.
  • Fixed rate loan.
  • Payments are NOT deferred.
  • Not a government sponsored student loan.

Apply for a Smart Option Student Loan®

SCFCU Student Loan Rates

Click here for the Southern Chautauqua FCU loan application - Members

Click here for Souther Chautauqua FCU loan application - Non-Members

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Student Loan Refinancing

  • Up to $25,000 with approved credit
  • Up to 8 years
  • Call (716)665-7000 ext. 9011 for more details.

168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

Open today · 9:00 am – 5:30 pm

View branch locations


Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. It will use its resources wisely and be held accountable to its members.