Arizona Central Credit Union

EDge Student Loans

A wide range of solutions designed to help parents & students fill funding gaps.

When scholarships, grants, and federal loans aren't enough to cover college costs, Arizona Central Credit Union's EDge private student loans can help put college or graduate school within reach. Arizona Central makes it simple to find a loan that fits your needs. Our online loan application lets you receive an instant credit decision and view your interest rate before you commit.

Why EDge?

EDge private student loans offer great benefits1 including —

  • 0.25% rate reduction2
  • Cosigner release available
  • Competitive rates
  • No origination fees or fees upon entering repayment
  • Choice of multiple repayment options
  • Free Application for Federal Student Aid (FAFSA) completion encouraged, but not required
  • Our online application calculates total cost and monthly payment amounts in real time, so comparing repayment options is simple
  • Applying with a cosigner is easy — apply together or give your cosigner access to your application to complete the relevant sections
  • Credit review3 typically within seconds of online application submission

Our online application takes as little as 15 minutes to complete. Apply today!

Private Education Loan Application and Solicitation Disclosure

1)Arizona Central Credit Union (ACCU) private student loans are subject to credit qualification. Loan amount is dependent on the loan product, other financial aid, credit worthiness, and other factors. Loan limits may apply. Not all borrowers will be eligible to receive all borrower benefits. See for additional information regarding qualifications to receive borrower benefits. ACCU may change or cancel borrower benefits at any time for new applicants. 2) 0.25% rate reduction to borrowers who have their payments automatically withdrawn from a personal checking or savings account. This discount does not apply to automatic bill payments set up solely by you. If the automatic payment is canceled at any time after repayment begins, the discount will be lost until automatic payment is reinstated. Refer to disclosure provided at time of set-up for additional details and qualification information. 3) The initial credit review is based on a review of all the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report(s). If you pass the initial credit review, you will need to provide acceptable documentation such as income verification and we will need certification of your loan from your school before the final loan approval.

  • Online
  • By Phone

How Do I Get Started?

Apply online

How Do I Get Started?

Call toll free 1-877-717-3599.


Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

Local First Arizona NCUA Equal Housing Lender