A system for cooling a fuel cell stack and a drive unit in a fuel cell vehicle is disclosed, wherein the system includes a drive unit and a fuel cell stack. An oil cooling loop for the drive unit includes a three way valve, a liquid to liquid heat exchanger, and a pump. The liquid to liquid heat exchanger may be used to transfer drive unit off heat into the stack coolant loop. By not using an oil to air heat exchanger overall heat exchanger arrangement air side pressure drop can be minimized and airflow increased. The three way valve allows decoupling of the cooling loops if needed to inhibit negative impact on the fuel cell stack.