Student Loans and Refinancing

Student Loan Program. Subject to annual review and credit qualification. Must meet school's Satisfactory Academic Progress (SAP) requirements. Membership Eligibility. Must live or work in the Kansas City area in these counties: Kansas City Metro Counties: Live or work in Jackson, Cass, Clay, Platte, Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, or Wyandotte. St. Louis Metro Counties: Live or work in St. Louis County. Family Membership: If a family member is either a current member or is eligible for membership by living or working within one of our 12 counties above, you can join, too. An eligible family member is defined as a spouse, child, sibling, parent, grandparent, grandchild, aunt/uncle, niece/nephew, cousin or legal guardian and includes step, in-law and adoptive relationships.

ScoreMore Loan. APR (Annual Percentage Rate). Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. As of 11/24/2025, loan rate is 3.99% APR and is subject to change without notice. As of 11/24/2025, the APY (Annual Percentage Yield) of the share savings account is 0.02% APY and is subject to change without notice. After successful repayment of the loan, the balance on hold in the share savings account (which includes the dividends earned minus loan interest) will be disbursed to the borrower. After 25 days delinquent the ScoreMore Loan will automatically close and the funds in the pledged account will be applied to settle the loan. Claims of “building credit”, “boosting credit”, “improving credit”, “increases credit scores by 60 points on average”, and “increases savings balance by $253 on average” are based on a CFPB study titled “Targeting Credit Builder Loans: Insights from a Credit Builder Loan Evaluation” (July 13-17, 2020). Not all borrowers will experience these benefits, some may not experience any of these benefits, and some borrowers may experience a lower credit score, depending on each individual borrower’s unique circumstances.

Starter Card. Offer valid for members or applicants that qualify for membership and open a new Visa® Low Rate card account (subject to credit approval) using promo code Credit101. Upon opening the Visa® Low Rate card account with promo code Credit101, you can earn $5 a month and up to $25 max, for on-time monthly payments made in your first 6 billing cycles. To qualify for the $5 credit, the payment must be made by the payment due date shown on your billing statement and must be greater than $0 and greater than or equal to the minimum payment due on your account. Each $5 credit, up to $25 max, will be deposited into your membership Savings account within 60 days of the on-time payment. You must be in good standing with the Credit Union at the time of the $5 deposit. Offer may be revoked, restricted or changed at any time at CommunityAmerica’s discretion. Limit six $5 deposits (max $25) per member and per qualifying Visa® Low Rate card account. The $5 credits may be subject to IRS tax reporting.

Student Checking. Must be age 13-24 to qualify. Must be age 18 to open account online. Automatically converts to a Free Checking account at age 25.