Student Loans

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Student Loan Consolidation

through LendKey™ 

Already graduated? O Bee is proud to partner with LendKey™ to help lower your monthly payments and reduce the interest on your existing federal and private student loans. Save time and money by refinancing and consolidating through O Bee Credit Union.

Features and benefits:

Borrow What You Need — Refinance up to $125,000 in undergraduate debt and up to $175,000 in graduate debt.

Fast Online Application — Complete your application online quickly and easily.

Simplify Your Finances — Replace multiple bills with one easy payment.

Manage Your Loan — Our online portal lets you check your balance, make payments, and access your account anytime — day or night.

Interest Only Repayment — Better manage your expenses and budget by enjoying initial interest-only payments on certain loan terms. ‡

Rate Reduction — Set up recurring monthly payments and enjoy a reduced interest rate. †
No Origination Fee — Why pay us money to process your loan application? We'll never charge you any origination fees.

†If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the Margin will be reduced by 0.25%. This rate reduction will be removed, and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.

‡For 15-year term loans, borrowers may choose to only pay the interest for the first 48 months followed by 11 years of full principal and interest payments. Making interest-only payments will not reduce the principal loan balance, and the amount due will increase when the interest-only period ends.

Smart Option Student Loan®

The Smart Option Student Loan® for O Bee 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.
To learn more or to apply, please get started here

The Smart Option 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
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists
O Bee Mobile

O Bee Mobile


O Bee Credit Union Mobile Banking allows you to check balances, view transaction history, transfer funds, pay loans, deposit checks, control your debit and credit cards and pay bills on the go!

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