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Please Note: Our Charlestown Navy Yard, Longwood Medical Area, and Partners Assembly Row Branches are temporarily closed until further notice. Our MGH Branch is temporarily only open to MGH Employees. Please visit huecu.org/covid-19-help to learn more.

Domestic Students

1. Submit an online loan application. If you have a cosigner, please ensure they complete their part of the application in a timely manner.

2. Upload supporting documentation, this includes a copy of your government issued photo ID, and may include other requested documents.

3. Apply for membership, if you are not an existing HUECU member.

Join HUECU

Due to the cooperative banking structure of credit unions, you must be an HUECU member to borrow with us. Please visit huecu.org/membership to learn about membership, and to submit an online application. Please pay attention to notifications from HUECU in case we need more information for your account. Applications take 2-3 business days to process.

4. Select your loan option. You will receive an email notification outlining your pricing, term and rate options.

5. Sign your loan documents electronically. Once you’ve selected your loan option, you will receive a loan document packet in your online account which includes your Approval Disclosure, self-certification form, and promissory note.

6. School certification. Once your application is approved, we will notify your school, and your school will verify your requested amount, and determine eligibility based upon your cost of attendance, financial needs, and the program loan limit for your school. The school will then certify your loan, and set your disbursement date(s).

7. Accept your Final Disclosure, which includes the final terms of your loan.  You will receive a notification when your disclosure is ready for review.

8. Funds will be sent directly to your school. Refunds and changes to loan amounts can be requested through your Financial Aid office.

International Students

1. Submit an online loan application. If you have a cosigner, please ensure they complete their part of the application in a timely manner.

2. Obtain your visa. Provide your conditional approval letter to the Registrar’s Office (you will receive this after completing your online application) to obtain financial certification from your school in order to obtain your valid U.S. visa.

3. Select your loan option. You will receive an email notification outlining your pricing, term and rate options.

4. Upload supporting documentation, including your identification, immigration and other required documents:

  • Passport
  • Secondary, government-issued, photo ID
  • Visa
  • School issued I-20 financial certification, or form DS-2019

5. Schedule an appointment to sign your documents. All international borrowers must sign their Approval Disclosure, self-certification form and promissory note in-person with an HUECU representative when they arrive to campus. If you are unable to upload proof of identify and other required documentation in advance, please bring copies with you. Uploading documentation to your account ahead of time will expedite the loan process.

For directions to the branch most convenient for your loan signing, please view our branch locations.

6. Apply for membership, if you are not an existing HUECU member.

Due to the cooperative banking structure of credit unions, you must be an HUECU member to borrow with us. Please visit huecu.org/membership to learn about membership.

If you have a SSN, submit an online membership application before you arrive. Please pay attention to notifications from HUECU in case we need more information for your account. Applications take 2-3 business days to process.

If you do not have a SSN, HUECU will help you complete the membership account opening process during your in-person appointment.

7. School certification. Once your application is approved, we will notify your school, and your school will verify your requested amount, and determine eligibility based upon your cost of attendance, financial needs, and the program loan limit for your school. The school will then certify your loan, and set your disbursement date(s).

8. your Final Disclosure, which includes the final terms of your loan.  You will receive a notification with your disclosure is ready for review.

9. Funds will be sent directly to your school. Refunds and changes to loan amounts can be requested through your Financial Aid office.

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