Student Loans

Image for Student Loans. Hyperlink is as follows:

Now You Can Pay For College The Smart Way

When Scholarships, federal loans, and financial aid don't cover all of your expenses, The Smart Option Student Loan can make up the rest.

Now you can pay for college the smart way with three great repayment options and competitive interest rates! The 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.


Since Melrose Credit Union has an open New York State charter there are no geographic or group affiliation field of membership restrictions. So, regardless of where you live or how you earn a living, you may qualify for membership. There is a $1.00 one time membership fee and a minimum opening deposit of $25.00. Individuals must provide:

  • Valid Photo ID
    (Driver’s License, Non-Driver ID, Passport)
  • Proof of Address (Utility Bill)
  • Social Security Number