The Southern Chautauqua Federal Credit Union is a student loan from Southern Chautauqua Federal Credit Union. The ongoing APR is Student Refinance Fixed APR As Low As: Up to 8 Years; Maximum of $35,000 7.49% (Rate Effective Date: 9/09/2026). Typical credit limit: Up to $35,000. Loan terms: Maximum of 8 Year Term.