Student Loans
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
Private Student Loans
For borrowers attending degree-granting institutions
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
- 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
Student Checking – ATM/VISA Debit Cards
When you open your student checking account, we’ll also give you a free VISA Debit Card. You can use this card just like a check anywhere VISA is accepted. Plus, you can also use it to get cash at thousands of ATMs worldwide through the Pulse network.
The VISA Debit Card makes everyday purchasing quick and easy, because it works like a check and it’s safer than carrying cash. Even better, there’s no need to show ID or wait for approval, so you’re in and out of stores in no time.
The VISA Debit Card is also an ATM card. You can use it at 400,000 ATMs in the VISA/PLUS Global ATM Network. For your convenience, local ATMs are located at the locations below:
- Copperhill Branch
- Blue Ridge Branch
- Kickstart Convenience, Turtletown TN
- IGA Hometown Foods, McCaysville GA
For individuals aged 17 or under, the account must be jointly held with an adult. Students up to age 25 can have this account type. We will automatically convert them to a Total Checking Account type at age 25.