2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@btcu.org

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Convenient Access:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Link to the BTFCU Electronic Bill Payment site. (Requires registration before using first time.)

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Click here for an online Loan Application.

Click here to see BTFCU's Savings Accounts and Savings Rates. Click here to see BTFCU's Loans and Loan Rates.

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Serving Members
Since 1935

Student Loans

BTCFU helps its members with PHEAA student loan paperwork.

Bethlehem Teachers Federal Credit Union has joined forces with the Pennsylvania Higher Education Assistance Agency (PHEAA) to create the nation's most affordable Stafford student loans. We help BTFCU members with PHEAA applications for loans for students (known as KeystoneBEST) and for parents of students (KeystonePLUS).

Stop by our office or contact us by phone (610-691-0041) or e-mail (service@btcu.org) for applications and more information.

See new KeystoneBEST Benefits effective for applications with loan terms beginning on or after July 1, 2006.

KeystoneBEST is for students.

These loans are available as…

  • Subsidized: The federal government will pay the interest on a subsidized loan while the student is in school. You must have "financial need" to qualify for this interest subsidy.
  • Unsubsidized: Students are responsible for all the interest on an unsubsidied loan from the date it is disbursed. The federal government does not pay any interest on your behalf. This type of loan is limited to the cost of your education minus your other student aid.

Students must complete a FAFSA application (available at http://www.fafsa.ed.gov) to determine student aid eligibility.

KeystoneBEST Immediate Savings

KeystoneBEST is available with no up-front costs, because:

  • Students save 1% since the PHEAA pays the federal default fee.
  • Students save an additional 1% in origination fees, underwritten by PHEAA.
  • Students can save an additional 1% in origination fees, underwritten by lenders.

KeystoneBEST Additional Benefits

Benefit Loans Disbursed Prior To July 1, 2006 Loans Disbursed On or After July 1, 2006
Consecutive on-time payments required for a 2% rate reduction. 48 36
Students receive a 1% Graduation Credit for completing their education. No Yes
.25% rate reduction for automatic direct debit of payments Yes Yes
Flexibility of combined or separate billing for multiple loans Yes Yes
Single point of contact for customer service for the life of the loan Yes Yes

KeystoneBEST Student Loan Eligibility Requirements

  • Must be a Pennsylvania resident, attending any school approved by the U.S. Department of Education (DOE), regardless of the location of the school, OR, be an out-of-state resident attending any DOE-approved school in Pennsylvania .
  • Does not have to satisfy an income requirement (but must have financial need to receive a subsidized loan).
  • Must meet the standard Stafford eligibility requirements.
  • Must be a U.S. citizen or eligible non-citizen.
  • Must be accepted for enrollment in a participating school; or, if enrolled, be making satisfactory progress.
  • Must be classified as at least a half-time student and working toward a degree or certificate.
  • Cannot be in default on an education loan.
  • Must be registered with the Selective Service, if required.

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KeystonePLUS is for parents of students.

The Parent PLUS loan is a program in the Federal Family Education Loan Program (FFELP). Together with lending institutions throughout the Pennsylvania community, however, we customized a version of this loan program to create the KeystonePLUS loan program for Parents. The KeystonePLUS for Parents loan helps parents meet educational costs not covered by their child’s financial aid package.

Advantages of the KeystonePLUS loan program:

  • Rebate up to 2% of the loan amount (1% rebate for the first 24 consecutive, on-time payments, and 1% at the 48th consecutive, on-time payment).
  • Interest rates vary but cannot exceed 9% annually.
  • Interest payments may be tax deductible.
  • Interest rate reduction of .25% for using Direct Debit to repay your loan.
  • Participating lenders may discount the interest rate by an additional percentage at first disbursement (Please check with your lender for further details).
  • Access to account information 24 hours/day.
  • Single-statement billing available.

Eligibility Requirements for KeystonePLUS:

  • Must be Pennsylvania residents with a child attending any Department of Education-approved school or may be out-of-state and have a child attending any Pennsylvania Department of Education-approved school.
  • Do not have a family income limit but must be credit-worthy.

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Last Updated: 7/9/2014 10:46:49 AM Eastern Time