Paving the way...for future generations.

Interested in no payments on your auto loan all summer?** Click here to learn more.
Understanding your balances...

Available funds vs. Actual funds - what's the difference? Click here to learn more.
Psst...did you know school is just around the corner?

If you're not prepared, we may be able to help! Click here to learn more.
Introducing Mobile Deposit!

Now you can make deposits right from your smartphone or tablet. Click here to learn more.
Thousands of branches...

Right where you need them: Everywhere. Click here to learn more.
Do we have your most up-to-date info?

Contact us to update your phone number and/or address! Click here to learn more.
Summer Food Drive through August 18

Please bring your donation of non-perishable food items! Click here to learn more.
Sooothe the sting of summer spending...

with our low interest rate credit cards. Click here to learn more.

Loan Center

Education Loans

HTFFFCU Smart Option Student Loan by Sallie Mae®
For borrowers attending degree-granting institutions

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.

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • 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 creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Get a quick credit result by applying online. It’s quick, easy, and only takes about 15 minutes to apply.
  • 24/7 online account management

To learn more or to apply, please get started here.

* We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

Auto Loans

Other Loans

Loan Protection

Apply Online

Other Services

  • Auto Buying Guide Purchasing a vehicle is a decision that requires knowledge of issues that buyers may encounter. more
  • Preferred Dealers A listing of car dealerships that many members have had good experiences with and that you can trust. more