This credit union is federally insured by the National Credit Union Administration. License #9530137 California Department of Business Oversight. If you are using a screen reader or auxiliary aid and having problems using this website, please call (800) credit union is federally insured by the National Credit Union Administration. License #9530137 California Department of Business Oversight. If you are using a screen reader or auxiliary aid and having problems using this website, please call (800) For Rates APR= Annual Percentage Rate. All loans are subject to credit approval. The Annual Percentage Rate on designated loan types will be determined by: the credit history of the applicant(s), the terms of the loan, and the dollar amount financed. All loan rates are subject to change without Coast Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Although Sallie Mae Bank does 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 The Smart Option Student Loan for First California Federal Credit Union by Sallie Mae® is a great solution to help bridge the gap between federal loans and the cost of your education expenses. Now you can pay for college the smart way with three great repayment options and competitive interest rates! Pre-determined monthly payments are based on the final loan amount, rate and term. $ or 2% of the outstanding balance only when you use your Personal Line of Credit. Available as loans only (no credit lines) with pre-determined monthly payments based on the interest rate, loan amount and repayment term. apr = annual percentage rate. rate based on creditworthiness and term of loan. apy = annual percentage yield. rates are subject to change at any time and are not guaranteed. we provide links to third party partners, independent from california bear credit union. these links are provided only as a rates and annual percentage rates (APR) are effective 02/04/2021 unless otherwise noted and subject to change at any time. All loans and credit cards are subject to credit approval and income and employment verification. Membership eligibility requirements apply. Total unsecured debt cannot exceed $35, maximum aggregate Credit Union's current Personal Loan rates. APR means Annual Percentage Rate. For any loan where the mileage is OVER 100,000 miles, .25% will be added to the APR.