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 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

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! 

Special Offer for MACU Visa Card Holders

For a limited time, when you transfer a credit card balance to your MACU Visa card, you’ll get a 4.99% APR for 18 months* and no transfer fee on balance transfers of $250 or more!

Get a low-rate car loan with MACU!

It's prime car-buying season! With car rates as low as 1.99% APR*, MACU offers some of the lowest rates in the region! Get yourself in that new car or truck you've been dreaming about! 

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
1.258% A.P.Y.
12 Mo. Certificate
1.765% A.P.Y.
18 Mo. Certificate
2.45% A.P.Y.
24 Mo. Certificate
2.122% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.864% A.P.Y. | $50,000+ - 0.914% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.592% A.P.Y. | $10,000 - $24,999 - 0.612% A.P.Y. | $25,000 - $49,999 - 0.642% A.P.Y. | $50,000+ - 0.642% A.P.Y.
Visa Platinum
Rates beginning as low as 10.50% A.P.R.*** and 1.99% A.P.R. on all balance transfers!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.99% A.P.R.*