Introduction
As of June 18, 2025, students and parents exploring student loan refinancing options have some compelling choices to consider. If you’re looking for the lowest rates, Agfed Credit Union stands out with its fixed and variable refinance loans at just 4.54% and 4.55% APR, respectively—offering some of the most competitive rates available right now. Navy Federal Credit Union also offers attractive fixed and variable refinance options at 4.85% and 5.24%, making it a strong contender for borrowers seeking flexibility and reliability. For those interested in a broader rate range, Affinity Plus Federal Credit Union provides fixed refinance loans starting at 6.24%, while Digital Federal Credit Union’s rates begin slightly higher but cover a wide spectrum for different credit profiles. Whether you’re a recent graduate or a parent helping finance education, today’s data highlights clear winners for refinancing with low rates that could save you money over the life of your loan.
Refinance - Student Loans
Credit Union
Product
2025-06-18
(Current Day)
(Current Day)
2025-06-11
(7 Days Ago)
(7 Days Ago)
2025-06-03
(15 Days Ago)
(15 Days Ago)
2025-05-19
(30 Days Ago)
(30 Days Ago)
2025-05-04
(45 Days Ago)
(45 Days Ago)
Agfed Credit Union
Fixed Student Loan (fixed) [Refinance]
4.54
Agfed Credit Union
Variable Student Loan (variable) [Refinance]
4.55
Navy Federal Credit Union
Student Loan Refinancing (fixed) [Refinance]
4.85
Navy Federal Credit Union
Student Loan Refinancing (variable) [Refinance]
5.24
Soarion Credit Union
Variable Student Loan (variable) [Refinance]
6.24
Affinity Plus Federal Credit Union
Student Loan Refinance (fixed) [Refinance]
6.24 - 7.24
6.24 - 7.24
6.24 - 7.24
6.24 - 7.24
6.24 - 7.24
Affinity Plus Federal Credit Union
Student Loan Refinance (variable) [Refinance]
8.00 - 9.00
8.00 - 9.00
8.00 - 9.00
8.00 - 9.00
8.00 - 9.00
Digital Federal Credit Union
Variable Rate Student Refinance Loan (variable) [Refinance]
6.50 - 11.25
6.50 - 11.25
6.50 - 11.25
6.50 - 11.25
6.50 - 11.25
Digital Federal Credit Union
Fixed Rate Student Refinance Loan (fixed) [Refinance]
7.50 - 12.25
7.50 - 12.25
7.50 - 12.25
7.50 - 12.25
7.50 - 12.25
First Tech Federal Credit Union
Fixed-Rate Loan (fixed) [Refinance]
9.25
First Tech Federal Credit Union
40% Balloon Loan (fixed) [Refinance]
11.40
First Tech Federal Credit Union
1-5 Year Interest Only Loan (fixed) [Refinance]
11.40
First Tech Federal Credit Union
50% Balloon Loan (fixed) [Refinance]
11.55
First Tech Federal Credit Union
6-10 Year Interest Only Loan (fixed) [Refinance]
12.20
Agfed Credit Union
This week at Agfed Credit Union, Refinance Fixed Student Loan rates stand at 4.54% APR and Variable Student Loan rates at 4.55% APR, both newly available with no prior data for comparison. These competitive rates offer strong options for borrowers seeking to lower their payments. If your current student loan rate exceeds 8%, refinancing now could significantly reduce your interest costs. With fixed and variable choices near 4.5%, Agfed provides affordable refinancing tailored to students and parents aiming for manageable education financing.
Navy Federal Credit Union
As of June 18, 2025, Navy Federal Credit Union offers competitive Student Loan Refinancing rates with a fixed APR of 4.85% and a variable APR of 5.24%, both newly available today. Since no prior data exists for comparison, these rates represent fresh, attractive options for borrowers looking to lower their payments. If your current student loan rate exceeds 8%, consider refinancing with Navy Federal’s fixed or variable products to potentially save significantly over time. These refinance options provide affordable pathways for students and parents aiming to manage education debt more effectively.
Soarion Credit Union
As of June 18, 2025, Soarion Credit Union offers a Variable Student Loan Refinance at a competitive 6.24% APR. This rate is newly available with no prior data for comparison but stands out as an attractive option in today’s market. Borrowers with current rates above 8% should consider refinancing to potentially lower monthly payments and overall interest costs. With Soarion’s focus on affordable education financing, this variable refinance loan presents a valuable opportunity for students and parents seeking better terms. Stay tuned for future updates as more rate trends develop.
Affinity Plus Federal Credit Union
As of June 18, 2025, Affinity Plus Federal Credit Union’s Student Loan Refinance fixed rates remain steady at 6.24% - 7.24%, offering some of the most competitive fixed APRs available. Variable refinance rates also hold firm at 8.00% - 9.00% with no changes over the past 30 days. Borrowers with current rates above 8% should consider refinancing to lock in these stable, lower fixed rates, especially to reduce long-term interest costs. Both fixed and variable refinance options provide reliable choices for students and parents seeking affordable education financing.
Digital Federal Credit Union
This week at Digital Federal Credit Union, both Variable Rate Student Refinance Loans and Fixed Rate Student Refinance Loans remain steady with rates unchanged over the past 30 days. The variable APRs hold at 6.50% to 11.25%, offering the most competitive starting point for borrowers seeking flexibility. Fixed rates span 7.50% to 12.25%, providing stable options for those preferring predictable payments. If your current student loan rate exceeds 8%, consider refinancing now to potentially lower your interest and save over time. Consistent rates mean no rush, but locking in a favorable rate today can support long-term financial health.
First Tech Federal Credit Union
This week at First Tech Federal Credit Union, all refinance student loan rates are newly posted with no prior data for comparison. The most competitive option is the Fixed-Rate Loan at a 9.25% APR, offering stable payments without balloons or interest-only periods. Other refinance products range from 11.40% to 12.20% APR, including balloon and interest-only loans, suited for flexible repayment plans. If your current student loan rate exceeds 9%, consider refinancing now to secure First Tech’s lowest fixed APR and potentially reduce your monthly costs.
LendMesh
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Conclusion
Looking ahead, now is an ideal time for borrowers to seriously consider locking in these competitive refinance rates, especially if you qualify for the lowest tiers like those at Agfed or Navy Federal Credit Unions. Even small APR differences can add up to significant savings on large student loan balances over time. Students nearing graduation or parents managing education expenses should review their current loan terms and explore refinancing options to reduce monthly payments or overall interest costs. If you’re weighing variable versus fixed programs, remember that locking in a low fixed rate could provide valuable stability amid market fluctuations. Keep an eye on upcoming rate changes, but don’t hesitate—taking action soon could secure the best possible terms before any shifts occur. Reach out to your preferred credit union today to discuss eligibility and start your refinancing journey with confidence.