Discover the
options of Student Banking
Student Checking
With a MACU student checking account, you’ll enjoy the same great benefits all of our members enjoy.
- Access to your account in our branches, online or by smartphone/tablet
- No minimum balance required
- No monthly service charge
- No per-check charge
- Free online banking and online bill pay
- Optional overdraft protection
- Free e-Statements
- 24/7 access via online and mobile banking
Student Loans: The Smart Option Student Loan® for Members Advantage Credit Union by Sallie Mae®
For borrowers attending degree-granting institutions
Now, you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.The Smart Options Student Loan features and benefits:
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
- No origination fee and no prepayment penalty
- Benefits and an interest rate reduction available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
- 100% US-based Student Loan Specialists
Click here to get started
Student Banking
College Scholarships
Every year, MACU offers two different college scholarships to qualifying high school seniors and to those in their first or second year in college.
Shared Branching
No matter where they are, our student members have access to their accounts through a nationwide network of 5,000+ shared branches and surcharge-free ATMs.
Current MACU offers
Balance Transfer
Transfer balances from high-rate credit cards to a low-rate MACU Visa!*
ID Protect
IDProtect provides the following protections for you and your joint account holders, all for only $2.00 a month.
Great Rates
Auto Loan
Rates as low as 1.99% APR*
Home Equity Line of Credit
Rates as low as 3.99% APR for 24 months***
Advantage Loans
Rates beginning as low as 6.50% APR*
6 Mo. Certificate
.351% A.P.Y.
12 Mo. Certificate
.451% A.P.Y.
18 Mo. Certificate
.451% A.P.Y.
24 Mo. Certificate
.602% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.351% A.P.Y. | $50,000+ - 0.401% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.100% A.P.Y. | $10,000 - $24,999 - 0.120% A.P.Y. | $25,000 - $49,999 - 0.150% A.P.Y. | $50,000+ - 0.150% A.P.Y.
Visa Platinum
Rates beginning as low as 8.25% A.P.R.*** and 4.99% A.P.R. on all balance transfers for 18 months!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.99% A.P.R.*