Student Loans

Young Adult Loans and Credit

Your best financial self starts now

Take credit for what you deserve

Actually, credit can serve you, and it's one of the many decisions you make as you grow in your finances. Do you value racking up APEX Rewards Points for cash back and gift cards? Or are you taking a more cautious approach to minimize the risk of overspending? Take a closer look at our credit card options to determine what fits your lifestyle.

Platinum Rewards Mastercard

  • Perfect for after you land your first full-time job and earn a steady paycheck
  • Getting 0% Annual Percentage Rate (APR) for 12 months means no interest for the first year of using your card! 
  • Get APEX Points for items you spend the most on like gas and groceries and use your points for cash back, gift cards, merchandise and so much more!
  • No need to login to redeem points, use Checkout with Points for an instant discount on our card purchase at select retail stores.

Savings Secured Credit Card

  • The perfect starter card to build credit safely without having to worry about qualifying for credit.
  • Never worry about overspending on your card because you get to set the limit with Savings Secured Mastercard
  • Includes free cell phone insurance!*

High potential with higher education

We get it, times are tough and you have goals to meet - taking out a student loan should make you feel in control. FPCU has partnered with Sallie Mae to help give you the best rate on your student loan. Plus, consider opening a 529 Plan before the college conversations start so you can save early and withdraws are tax-free for education-related expenses. See what you can achieve with FPCU!

The Smart Option Student Loan® by Sallie Mae®

After you've explored all your options when it comes to grants, scholarships and federal college loans, you might still face a funding gap on your journey toward a college degree. We're here to help with private student loan options that deliver value for your money with competitive rates.

  • Choose from fixed and variable interest rates
  • No origination fees and no prepayment penalty
  • Options for graduates, undergraduates or parents

Start saving with the 529 Savings Plan

The 529 Savings Plan is a tax-advantaged savings account for every future. Parents and students alike can open an account at anytime and take advantage of the growth potential with this unique account available to California families. 

  • Any earnings are tax deferred
  • Withdrawals are tax-free if used for education-related expenses
  • Can be used for expenses like tuition, fees, computers, textbooks, room and board! 

Must be 18 to apply. If you're under 21, we will need to verify your ability to repay. In some cases, a co-signer may be needed.

For complete details on the terms and conditions, please refer to the Credit Card Terms and Conditions disclosure. Financial Partners Credit Union membership required.

Platinum Rewards Mastercard: 0.00% APR valid on purchases and balance transfers for qualifying members. Promotional rates apply to first twelve (12) billing periods on new credit card accounts; balance transfers must be completed within 90 days of card account opening. After promotion, Regular APR of 17.49% - 32.24% will apply. Offers apply to all credit card types (except Savings/Share Secured). "Regular" rate after intro rate is variable.Subject to credit approval. 

529 Plan: Investment and insurance products and services are offered through Osaic Institutions, Inc.. Member FINRA/SIPC. Financial Partners Wealth Management is a trade name of Financial Partners Credit Union. Osaic Institutions and Financial Partners are not affiliated. Products and services made available through Osaic Institutions are not insured by the NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by and credit union affiliate. These products are subject to investment risk, including the possible loss of value.

APEX Member Rewards: For complete details on the terms and conditions, please refer to the APEX Rewards Terms and Conditions.

*Free cell phone insurance when you pay your monthly cell phone bill with your Financial Partners debit card.