YOUTH ACCOUNTS Teach your children how to save and spend wisely.  All youth accounts earn dividends, with no fees! Young Einstein Account: For children ages 12 and under Receive a special birthday gift each year eStatement registration is required on the account   Healthy Investors Account: For teens age 13-17 Receive our Healthly Investors Quarterly e-Newsletter, filled with financial news teens need to know eStatement registration is required on the account   Download the application today!   Private Student Loans Now you can pay for college the smart way with great repayment options! Together we can do this. The HEFCU Smart Option Student Loan ® by Sallie Mae ® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses. To learn more or to apply please get started here. The Smart Option Student Loan features and benefits: Competitive Interest Rates Borrow up to 100% of school certified education costs (minimum $1,000) Multiple in-school repayment options available Borrower benefits available - like rewards and interest rate reductions Rates that reward credit-worthy borrowers Applying with a credit-worthy cosigner may help you qualify and/or receive a lower rate Fast Online Application.  Our easy-to-complete application takes about 20 minutes.  It's quick and easy. 24/7 online account management No prepayment penalty To learn more or to apply please get started here.