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.

Learn More >

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.

Learn More >

Current MACU offers

NEW Referral Program
NEW Referral Program

$50 For You, $50 For Them MACU

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Balance Transfer
Balance Transfer

Transfer balances from high-rate credit cards to a low-rate MACU Visa!*

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Apply Online
Apply Online

Applying for a MACU loan or credit card has never been easier! To open an account, take advantage of MACU's low-interest loans, or open a low-interest MACU Visa, simply click here to apply! 

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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.*