Introduction
As of June 20, 2025, students and parents exploring student loan options can find some attractive rates across several credit unions. For those seeking the lowest fixed-rate loans, Elfi’s Undergraduate Student Loans stand out with a competitive 3.69% APR, while Ascent Funding Credit Union offers a solid fixed Cosigned Credit-Based Loan starting as low as 3.39% APR. Variable rate options are also appealing, with Ascent’s Cosigned Credit-Based Loan beginning at 4.70% APR, and Vantage Credit Union providing a variable Smart Option Student Loan starting at 4.37% APR for various graduate programs including medical, dental, and law school loans. Parents looking to help fund their child’s education may consider Ascent Funding’s Parent Credit-Based Loans with fixed rates starting at 5.35% APR, holding steady over the past month. Meanwhile, Navy Federal Credit Union offers fixed private student loans at a reasonable 4.75% APR. Across the board, most rates remain stable compared to last month, giving families confidence in today’s financing landscape. Whether you’re an undergraduate, graduate student, or parent cosigning a loan, these competitive rates from trusted credit unions offer flexible solutions tailored to your needs this summer.
New - Student Loans
| Lender | Product | 2025-06-20 Current | 2025-06-13 7 Days Ago | 2025-06-05 15 Days Ago | 2025-05-21 30 Days Ago | 2025-05-06 45 Days Ago |
|---|---|---|---|---|---|---|
| Ascent Funding Credit UnionLOWEST | Cosigned Credit-Based Loan (fixed) | 3.39 - 14.46% | N/A | 3.39 - 14.46% | 3.44 - 13.96% | 3.44 - 13.96% |
| Vantage Credit Union | Smart Option Student Loan (fixed) | 3.45 - 16.49% | 3.45 - 16.49% | 3.45 - 16.49% | 3.49 - 15.99% | 3.49 - 15.99% |
| CUstom Choice | Fixed Student Loan (fixed) | 3.49 - 14.04% | N/A | N/A | N/A | N/A |
| Elfi | private (fixed) | 3.69% | N/A | N/A | N/A | N/A |
| Elfi | Undergraduate Student Loans (fixed) | 3.69% | N/A | 3.69% | 3.69% | N/A |
| Vantage Credit Union | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | 4.54 - 13.96% | 4.54 - 13.96% |
| Vantage Credit Union | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.54 - 13.97% | 4.54 - 13.97% |
| Vantage Credit Union | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | 4.54 - 13.97% | 4.54 - 13.97% |
| Vantage Credit Union | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.54 - 13.98% | 4.54 - 13.98% |
| Vantage Credit Union | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.54 - 13.98% | 4.54 - 13.98% |
| Vantage Credit Union | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.54 - 13.98% | 4.54 - 13.98% |
| Vantage Credit Union | Smart Option Student Loan (variable) | 4.37 - 15.99% | 4.37 - 15.99% | 4.37 - 15.99% | 4.54 - 14.71% | 4.54 - 14.71% |
| CUstom Choice | Variable Student Loan (variable) | 4.42 - 14.07% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Cosigned Credit-Based Loan (variable) | 4.70 - 14.26% | N/A | 4.70 - 14.26% | 4.95 - 14.26% | 4.95 - 14.26% |
| Navy Federal Credit Union | Private Student Loan (fixed) | 4.75% | N/A | N/A | N/A | N/A |
| Elfi | private (variable) | 5.00% | N/A | N/A | N/A | N/A |
| Elfi | Undergraduate Student Loans (variable) | 5.00% | N/A | 5.00% | 5.00% | N/A |
| Soarion Credit Union | Fixed Student Loan (fixed) | 5.03% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Parent Credit-Based Loan (fixed) | 5.35 - 15.86% | N/A | 5.35 - 15.86% | 5.40 - 15.91% | 5.40 - 15.91% |
| Ascent Funding Credit Union | Parent Credit-Based Loan (variable) | 5.55 - 15.26% | N/A | 5.55 - 15.26% | 5.80 - 15.51% | 5.80 - 15.51% |
| Navy Federal Credit Union | Private Student Loan (variable) | 6.95% | N/A | N/A | N/A | N/A |
| Affinity Plus Federal Credit Union | Undergraduate Line of Credit (fixed) | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% |
| Vantage Credit Union | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% |
| Vantage Credit Union | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% |
| Digital Federal Credit Union | Undergraduate and Graduate Private Education Line of Credit (variable) | 7.00 - 13.25% | 7.00 - 13.25% | 7.00 - 13.25% | 7.00 - 13.25% | 7.00 - 13.25% |
| Vantage Credit Union | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% |
| Ascent Funding Credit Union | Non-Cosigned Credit-Based Loan (variable) | 8.25 - 13.61% | 8.25 - 13.61% | 8.25 - 13.61% | 8.38 - 13.61% | 8.38 - 13.61% |
| Ascent Funding Credit Union | Non-Cosigned Credit-Based Loan (fixed) | 8.49 - 14.01% | 8.49 - 14.01% | 8.49 - 14.01% | 8.45 - 13.81% | 8.45 - 13.81% |
| Nasa Federal Credit Union | Deferred Repayment Line of Credit (variable) | 8.50 - 18.00% | 8.50 - 18.00% | 8.50 - 18.00% | 8.50 - 18.00% | 8.50 - 18.00% |
| Affinity Plus Federal Credit Union | Undergraduate Line of Credit (variable) | 8.74% | 8.74% | 8.74% | 8.74% | 8.74% |
| Digital Federal Credit Union | Undergraduate and Graduate Private Education Line of Credit (fixed) | 8.75 - 15.25% | 8.75 - 15.25% | 8.75 - 15.25% | 8.75 - 15.25% | 8.75 - 15.25% |
| Affinity Plus Federal Credit Union | Graduate Line of Credit (fixed) | 9.85% | 9.85% | 9.85% | 9.85% | 9.85% |
| Ascent Funding Credit Union | Non-Cosigned Outcomes-Based Loan (variable) | 12.90 - 14.85% | N/A | 12.90 - 14.85% | 12.90 - 14.85% | 12.90 - 14.85% |
| Ascent Funding Credit Union | Non-Cosigned Outcomes-Based Loan (fixed) | 13.16 - 15.13% | N/A | 13.16 - 15.13% | 13.01 - 15.00% | 13.01 - 15.00% |
| Affinity Plus Federal Credit Union | Technology Loan (fixed) | 13.40% | 13.40% | 13.40% | 13.40% | 13.40% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
Ascent Funding Credit Union
As of June 20, 2025, Ascent Funding Credit Union’s Cosigned Credit-Based Loans offer the most competitive fixed rates at 3.39% - 14.46%, unchanged from 15 days ago but slightly down from 30 days ago (↓7 bps low end). Variable cosigned loans also saw a modest decrease over 30 days (↓25 bps low end) to 4.70% - 14.26%. Parent loans remain steady with fixed rates at 5.35% - 15.86% and variable at 5.55% - 15.26%, both slightly lower than a month ago. For borrowers without cosigners, fixed and variable rates hold steady near 8.25% - 14.01%; consider locking in rates now if above 8% before potential increases. Outcomes-based loan rates are stable but higher, starting at 12.90% variable and 13.16% fixed.
Vantage Credit Union
This week at Vantage Credit Union, Smart Option Student Loan (fixed) rates remain steady at 3.45% - 16.49%, slightly down from 3.49% over 30 days. Variable-rate loans, including Medical, Dental, Law, MBA, and Graduate School Loans, held firm at 4.37% - ~13.98%, marking a modest decrease of about 17 bps compared to a month ago. The most competitive option is the fixed Smart Option Student Loan starting at 3.45% APR—ideal for borrowers seeking rate stability. Consider locking in fixed rates if you prefer predictability; variable loans show slight easing but may rise later.
CUstom Choice
As of June 20, 2025, CUstom Choice offers competitive Fixed Student Loan rates ranging from 3.49% to 14.04% APR and Variable Student Loan rates between 4.42% and 14.07% APR for new borrowers. Since these are new products, no historical rate changes are available yet. The fixed loan’s low starting APR of 3.49% makes it an attractive option for those seeking predictable payments, while the variable loan may appeal to borrowers expecting potential rate decreases over time. Consider these options if your current student loan rates exceed 8%, especially to secure affordability and flexibility.
Elfi
As of June 20, 2025, Elfi’s new student loan rates remain steady. Both Undergraduate Student Loans (fixed and variable) hold firm at 3.69% and 5.00% APR, unchanged over 15 and 30 days. The private fixed rate is a competitive 3.69% APR, offering excellent value for borrowers seeking predictability. Meanwhile, the private variable rate stands at 5.00% APR, consistent with previous periods. If your current student loan rate exceeds 8%, exploring Elfi’s fixed options could reduce your borrowing costs significantly. Staying informed on these stable rates helps students and parents make confident financing decisions today.
Soarion Credit Union
Soarion Credit Union’s Fixed Student Loan offers a competitive 5.03% APR for new borrowers as of June 20, 2025. With no prior data to compare, this rate sets a strong benchmark for affordable education financing. Students and parents seeking predictable payments should consider locking in this fixed rate now, especially if current loans have higher rates. Staying informed on these rates can help you make smart borrowing decisions tailored to your financial goals.
Navy Federal Credit Union
As of June 20, 2025, Navy Federal Credit Union offers competitive new student loan options with a fixed private student loan at 4.75% APR and a variable private student loan at 6.95% APR, both newly available with no prior rate history. The fixed rate is the most attractive for borrowers seeking stability and affordability. Students and parents should consider locking in the fixed rate now, especially if current loans exceed 8%. With no past fluctuations to report, these fresh rates provide clear choices for affordable education financing through Navy Federal.
Affinity Plus Federal Credit Union
As of June 20, 2025, Affinity Plus Federal Credit Union’s student loan rates remain steady with no changes over the past 30 days. The Undergraduate Line of Credit (fixed) offers the most competitive rate at 6.99% APR, ideal for undergrad borrowers seeking predictability. Meanwhile, the Undergraduate Line of Credit (variable) stands at 8.74% APR, and the Graduate Line of Credit (fixed) is fixed at 9.85% APR. The specialized Technology Loan carries a higher rate of 13.40% APR. Borrowers with rates above 8% might explore refinancing options to secure better terms.
Digital Federal Credit Union
As of June 20, 2025, Digital Federal Credit Union’s Undergraduate and Graduate Private Education Line of Credit rates remain steady. The variable APRs hold at 7.00% - 13.25%, and the fixed APRs stay at 8.75% - 15.25%, unchanged over the past 30 days. The variable loan’s low starting rate of 7.00% offers a competitive option for borrowers seeking flexibility, while fixed rates provide predictable payments despite higher APRs. Students and parents should consider variable loans if comfortable with rate fluctuations; otherwise, fixed loans offer stability without recent rate increases.
Nasa Federal Credit Union
As of June 20, 2025, Nasa Federal Credit Union's Deferred Repayment Line of Credit (variable) remains steady with rates between 8.50% and 18.00% APR, unchanged over the past 30 days. This consistent range offers borrowers predictable financing costs. For students or parents seeking flexible repayment options, this product provides stability without rate increases. If your current student loan rate exceeds 8.5%, exploring this credit union’s offering could be advantageous to access competitive variable rates with deferred payments. Monitoring these steady rates can help in making informed borrowing decisions for education funding.
LendMesh
Your degree is the goal—but smart funding is the key. At LendMesh, we empower students and parents to compare lender offers side-by-side and make decisions that protect your future. Start your journey today at https://www.lendmesh.com/loans/student-loans .
Conclusion
With rates holding mostly steady this month, now is a smart time for students and parents to assess their borrowing options carefully. If you prefer predictability in your monthly payments, locking in a fixed rate—like Elfi’s 3.69% fixed undergraduate loan or Ascent Funding’s cosigned fixed loans—can provide peace of mind amid fluctuating markets. On the other hand, if you anticipate paying off your loan quickly or expect rates to drop, variable options such as Vantage Credit Union’s graduate school loans might be worth considering. Even small changes in APR can add up over time; for example, Vantage’s Smart Option Student Loan variable rate saw a slight decrease from 4.54% to 4.37% over the last month—a meaningful difference when budgeting for tuition costs. Families should take advantage of prequalification tools and speak with loan officers soon to lock favorable terms before any potential rate shifts occur later this year. Whether you’re just starting college financing or refinancing existing debt, understanding current rates helps you make informed decisions that support your educational journey without unnecessary stress.