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Student Loans

ISL Education Lending

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loans refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website

Please note:

  • All loans offered by ISL Education Lending are subject to credit approval.
  • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Cincinnati Employees Credit Union is compensated by ISL Education Lending for the referral of student loan customers.



Get the Money You Need for School


The Smart Option Student Loan® for The Cincinnati Employees 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 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

To learn more or to apply, please get started here.



To our student Credit Union members:

We are so excited to announce the 2024 Scholarship is now available! 

Part of the mission of Cincinnati Employees Credit Union reads:“Not for Charity...  Not for Profit... but for service”                                

In keeping with this philosophy, we choose to serve our student members by offering you an opportunity to apply for a scholarship.  This program is one of the benefits of credit union membership, as the profits of this cooperative will return to our members in the form of higher dividends, lower loan rates and increased services.  The “increased service” now includes funding of eleven scholarships ranging from $500 to $1,000.  We invite our student members headed to 2- or 4-year accredited colleges to apply as well as current full-time college students.

Please complete the enclosed application.  Applications must be received by April 10, 2024 – no exceptions!  Winners will be announced at the Annual Meeting, which will be held on April 17, 2024.  If you have applied or have a student in the drawing, please try to attend the annual meeting.  Details on the location will be forthcoming.

 Application can be found here. 

Good luck to our students, we wish you all the best as you prepare for your future.  We are proud of your accomplishments and humbly hope you will include the Credit Union.