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 Advantace 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 idea solution to help you pay for college expenses not covered by shcolarships 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 three 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.

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Current MACU offers

Makeover CD
Makeover CD

MACU's high-yield CD will plump up your piggy bank with a 2.22% APY! 

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Auto Loan
Auto Loan

Adventure awaits with a MACU auto loan with rates as low as 1.99%*! Start your next adventure with that new car or truck you've been dreaming about. 

Read More
ID Protect
ID Protect

IDProtect provides the following protections for you and your joint account holders, all for only $2.00 a month.

Read More
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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 7.99% APR*
6 Mo. Certificate
1.16% A.P.Y.
12 Mo. Certificate
1.46% A.P.Y.
18 Mo. Certificate
1.51% A.P.Y.
24 Mo. Certificate
1.87% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.753% A.P.Y. | $50,000+ - 0.803% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.552% A.P.Y. | $10,000 - $24,999 - 0.572% A.P.Y. | $25,000 - $49,999 - 0.602% A.P.Y. | $50,000+ - 0.602% A.P.Y.
Visa Platinum
Rates beginning as low as 10.25% A.P.R.*** and 1.99% A.P.R. on all balance transfers!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.75% A.P.R.*