Private Student Loan — OCCU is a student loan from OCCU. The ongoing APR is 5.64 % APR on variable student loan as low as; 5.89 % APR on fixed student loans as low as. Typical credit limit: You can borrow a minimum of $3,000 up to $100,000 from OCCU over your entire education career. Loan terms: You can take up to 15 years to pay back your loan once you are no longer in school.