The higher education funding of your dreams is just one click away
CCFCU in partnership with Sallie Mae® is here to help you tackle education expenses head on.
Benefits You’ll Love
- Available to undergraduates, graduates, and parents
- Variable and fixed interest rates available
- Access a wide variety of loan options
- Explore various repayment options
Get the money you need to help make higher education happen. Student loans from Cherokee County FCU in partnership with Sallie Mae® could help!
For those attending or borrowing for a student attending a degree-granting institution.
Whether you're an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:
- Competitive variable and fixed interest rates
- No origination fee or prepayment penalty1
- Multiple repayment options
Undergraduate
Smart Option Student Loan® for Undergraduate Students
Pay for your bachelor’s, associates, or certificate expenses at a degree-granting school
Graduate
Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees
MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree
Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
Law School Loan
Pay for your school and associated expenses as you study for your law degree
Parents
Parent Loan
Help your student by taking responsibility with a loan in your name
*Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Cherokee County Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Checking (Share Draft) Account
| Account Type | Rate | APY | Requirements |
|---|---|---|---|
| Cherokee Checking | 0.05% | 0.05% | $300.00 minimum (below minimum fee $3.00) |
| Cherokee Checking Plus | 0.05% | 0.05% | $2,500.00 minimum |
| Cherokee Checking Bonus | 0.10% | 0.10% | $2,500.00 minimum No more than 6 Withdrawals a month |
IRA Term Share Accounts
| Length | Requirement | Rate | APY |
|---|---|---|---|
| 12 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 24 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 26 Month | $25,000.00 Minimum | 2.00% | 2.01% |
New Auto Loans
| Beacon Score | Up to $35,000.00 Up to 72 months Secured loan All rates stated APR |
Over $35,000.01 *84 months Secured loan All rates stated APR |
|---|---|---|
| 720+ | 5.90% | 6.40% |
| 680-719 | 6.90% | 7.40% |
| 640-679 | 7.90% | 8.40% |
| 600-639 | 11.15% | 11.65% |
| 555-599 | 15.15% | 15.65% |
| 554 & below | 17.15% | 17.65% |
Share & IRA Savings Dividends
| Account Type | Balance | Rate | APY |
|---|---|---|---|
| Share Savings/IRA Savings | $100.00 - $2,500.00 | 0.10% | 0.10% |
| " " | $2,500.01 - $5,000.00 | 0.20% | 0.20% |
| " " | $5,000.01 - $10,000.00 | 0.25% | 0.25% |
| " " | $10,000.01 - $25,000.00 | 0.30% | 0.30% |
| " " | $25,000.01 and Up | 0.35% | 0.35% |
| Escrow Savings | 0.00% | 0.00% |
Rates declared quarterly based on Credit Union earnings. Quarter ending 3/31/2025.
Share Certificates
| Length | Requirement | Rate | APY |
|---|---|---|---|
| 12 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 24 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 26 Month | $25,000.00 Minimum | 2.00% | 2.01% |
Unsecured Loans
| Beacon Score | *Unsecured Loans |
|---|---|
| 720+ | 9.00% |
| 680-719 | 10.00% |
| 640-679 | 11.00% |
| 600-639 | 14.00% |
| 555-599 | 16.00% |
| 554 & below | 18.00% |
Used Auto Loans
| Vehicle Age | Term |
Beacon Score |
All rates stated APR |
|---|---|---|---|
| 1 Yr. Old | 72 months | 720+ | 6.70% |
| 2 Yrs. Old | 72 months | 680-719 | 7.70% |
| 3 Yrs. Old | 72 months | 640-679 | 8.70% |
| 4 Yrs. Old | 60 months | 600-639 | 11.95% |
| 5 Yrs. Old | 60 months | 555-599 | 15.95% |
| 6 Yrs. Old | 48 months | 554 & below | 17.95% |
| 7 Yrs. Old | 48 months |