The Smart Option Student Loan® offers these benefits:
A choice of competitive rates for undergraduate students
Competitive, variable interest rates.
Rewards for paying on time
Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly in-school payments that are made on time while in school with the Interest and Fixed Repayment Options.
Lower your interest rate
Receive a 0.25 percentage point interest rate reduction while enrolled for making scheduled monthly payments by automatic debit.
Get the money you need
Borrow up to 100% of your school-certified cost of attendance (minimum $1,000).
Choose the repayment option that's best for you
Deferred Repayment, Fixed Repayment, or Interest Repayment.
Applying online is easy—it only takes about 15 minutes to apply and
get a credit result.
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Life's constant changes demand that you have financial flexibility, and there's no easier way to get it than here at your personal loan company – Merritt Federal Credit Union.
Save money with today's best personal loan rate, lower your payments to ease the strain on your monthly budget, simplify your life, handle emergencies with ease and gain flexibility with loans you can use for any expense – from vacations, to education, to special purchasesGet Started
Membership eligibility is open to SNET, AT&T, Lucent and NyNex employees and their families in Fairfield County. We encourage all of our members to take advantage of the many services that we make available to them.
Not a member yet? Credit Union membership has its privileges. Here's how you can benefit from using Merritt Federal Employees Federal Credit Union.Get Started
Our members expect more convenience, personalization, accessibility and ease of use via web, mobile, social and in-person. At Merritt FCU, we have expanded our fraud prevention resources to meet evolving member expectations.
Today's trends require a new approach that anticipates, recognizes and services everyone's individual needs. Technology does not prevent human mistakes. You also need a consumer education solution that will help you make less mistakes. As your trusted advisor, we'll expand your understanding of how to stay safe from fraud.Get Good Advice & Safety Tips