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find your rate

Complete the form below to determine the loan rates for which you may qualify. Please see the loan guidelines for standard program requirements. Please note this is not a loan application. If you would like to complete an application after you have determined your rate options, you will be able to quickly access our application on the next page.

And don't worry - we perform a soft credit pull that will not affect your credit score. After you find your rate and select apply, we will request your full credit report as a hard credit pull, which may affect your credit.

Your Information

Birth Date
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Social Security Number
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Phone Number
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  I have read, understand and accept the conditions in the disclaimer statement below.

You understand that by checking the box above, you certify that you have read, understand, and accept the Consent to Electronic Communications and Privacy Policy. In addition, you are providing written consent to Teachers Credit Union under the Fair Credit Reporting Act to obtain information from your personal credit profile from TransUnion for the purposes of providing you with a preliminary interest rate estimate. This inquiry is a soft pull and WILL NOT affect your credit score. Please note that this is not a loan offer and you will be required to authorize a full credit report inquiry, which would be considered a hard pull, if you choose to initiate a loan application after checking your rates. Upon your request, we will inform you of the name and address of any consumer reporting agency from which we obtained your consumer report.


In order to protect your data, our application form uses SSL (Secure Socket Layer) encryption when transmitting your information to our secure server.

After completing this form to determine your rate options, if you wish to move forward with the process you will be able to submit a loan application.


Private education loan borrowers: This application is for a private student loan through Everwise Credit Union. This is NOT a federal student loan application. Please exhaust all lower-cost sources of financial aid before applying for a private student loan.

You should always exhaust your federal aid options before applying for a private loan, because these loans are sometimes more difficult to obtain and can often end up being significantly more costly to you in the end. Private loans are designed to supplement federal loan programs. Private loans are also known as 'alternative loans' and the terms often vary considerably based on the lender and borrower credit histories.

Student loan refinance borrowers: This application is for a Everwise Credit Union Refinance Loan. This is NOT a federal student loan application.

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