Usted ha trabajado duro para acceder a su residencia o beca, nosotros podemos facilitarle el proceso de financiación.
With a variety of expenses, such as exams and relocation, you may find that you need supplemental income as you get established in your new career. Fortunately, the Credit Union can provide you with that financial support. Our Resident & Fellow Loan offers competitive rates and terms and a stress-free application process. Harvard FCU’s Education Lending team can help you determine if this loan is right for you. Contact the Education Lending team.
The Resident and Fellow Loan is designed to meet the needs of Harvard FCU Members who are current medical residents or fellows and have graduated, or medical school graduates accepted into a residency or fellowship program.
La cooperativa de crédito ofrece un sólido conjunto de recursos de educación financiera. Todos los socios tienen a su disposición asesoramiento financiero individual sobre presupuestos, créditos y gestión de deudas.
- Rates1 starting at 7.00%.
- As low as 6.98 % APR.1
- Amortización diferida: El préstamo entra en amortización seis meses después de la fecha de desembolso.
- Repayment flexibility, select 5, 10 or 15-year term.
- Importe mínimo del préstamo: $1,000
- Importe máximo anual del préstamo para un individuo: 20.000 dólares
- Límite total de préstamo durante una residencia o beca: 60.000 dólares
- Funds are deposited into the borrower’s Harvard FCU account for immediate use.
- Se puede acceder fácilmente a los fondos mediante una tarjeta de débito, un cajero automático, banca en línea o cheques.
- Reducción del 0,25% del tipo de interés para los pagos recurrentes automáticos.2
- Reducción del 0,25% del tipo de interés para las relaciones que reúnan los requisitos, aplicada después del desembolso del préstamo. 3
- Pago mínimo mensual: 50 dólares
- Ninguna penalización por pago anticipado
Applicants must be eligible for Harvard FCU membership, and must meet one of the below criteria:
- Actualmente inscrito en un programa de residencia o beca médica.
- Aceptado oficialmente en una residencia médica o un programa de becas.
Información adicional sobre la elegibilidad:
- No se requiere ciudadanía estadounidense. Cualquier persona con un SSN de EE. UU. válido y una dirección de EE. UU. es elegible para presentar una solicitud.
- Applicants must satisfy the Harvard FCU credit requirements.*
- Applicants must become a Harvard FCU member as part of the application process.5
Harvard FCU’s financial wellness program, Thrive, aims to bring award-winning personal finance education to our members. Here’s some of what is offered through Thrive!
- Personal Finance Webinars: Harvard FCU provides live personal finance webinars as well as access to self-serve videos of past sessions at harvardfcu.org/workshops.
- Apoyo al producto: ¿Es el préstamo para residentes y becarios la opción adecuada para usted? Nuestro personal de apoyo a los miembros está disponible para responder a cualquier pregunta que tenga sobre el programa y los requisitos de elegibilidad.
- On-Demand Videos: Hundreds of videos about budgeting, credit, debt repayment, banking and more are available at harvardfcu.org/financial-education-videos.
- One-on-One Counseling: Harvard FCU members and their families have access to free financial counseling through our partner GreenPath Financial wellness. Visit harvardfcu.org/GreenPath for more information.
- Artículos educativos: Suscríbase a nuestro blog para obtener artículos que le ayuden a tomar decisiones financieras importantes, como la compra de una vivienda, el matrimonio, la formación de una familia, el pago de deudas, la reubicación y mucho más.
- Printable Resources: Our budgeting, savings, home buying, credit and debt repayment worksheets can be downloaded and printed at harvardfcu.org/hub.
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Terms and Conditions Apply. In order to qualify, a borrower must have a valid SSN, U.S. address, and meet Harvard FCU’s underwriting requirements. Applicant must have a responsible financial history, and meet other conditions.
1. Interest Rate & APR. Your interest rate is determined by the term option you select, and your creditworthiness. Not all borrowers receive the lowest rate. Interest is charged daily throughout the life of the loan, beginning on the first date of disbursement, through any grace or deferment period, and ending when the loan is paid in full. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms. Rates and terms are subject to change without notice. Such changes will only apply to applications taken after the effective date of the change.
La APR supone que usted tiene un período de aplazamiento de seis meses, a partir de la fecha de desembolso, antes de que comience el pago. No está obligado a realizar pagos de su préstamo durante su período de aplazamiento; sin embargo, puede realizar pagos de capital e intereses en cualquier momento. Todos los pagos se aplican primero a las tarifas, los intereses y luego al capital.
Loan Example: Repayment examples assume a 6-month deferment period (deferment period begins on the date of disbursement). Borrowing $10,000 at 7.00% and 5 year term, results in 6.98% APR, monthly payment of $204.92, finance charge of $2,295.20 and total repayment of $12,295.20. Due to the deferment period, the APR is lower than the interest rate.
2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Accounting Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.
3. RELATIONSHIP DISCOUNT. A qualifying relationship discount is considered an active checking account for a minimum of 12 months, or any non-education Harvard FCU loan product. Discount to be applied after the loan is disbursed, if applicable. Member must contact the credit union to receive the discount. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Harvard FCU reserves the right to modify or discontinue relationship benefits at its discretion without notice.
4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.