Introduction

As of June 25, 2025, students and parents exploring student loan refinancing options have some compelling choices from credit unions nationwide. For those looking to refinance with the lowest fixed rates, Baxter Credit Union’s Medical Degree Refi at 4.80% stands out as an exceptional offer for medical graduates. Meanwhile, Navy Federal Credit Union offers a highly competitive fixed refinance rate of 4.85% for both students and parents, providing an affordable path to managing existing loans. Variable rate options also catch the eye, with Baxter’s student loan refinance at 4.89% and Navy Federal’s variable refinance at 5.24%, giving borrowers flexibility depending on their financial goals. For broader ranges, Merck Sharp Dohme Federal Credit Union’s fixed rate solution spans from 4.99% up to 10.50%, accommodating various credit profiles. Whether you’re a recent graduate or a parent refinancing on behalf of your student, today’s rates reflect strong opportunities to lower monthly payments and save on interest over time.

Refinance - Student Loans

Credit Union
Product
2025-06-25
(Current Day)
2025-06-18
(7 Days Ago)
2025-06-10
(15 Days Ago)
2025-05-26
(30 Days Ago)
2025-05-11
(45 Days Ago)
State Employees CU Of Maryland Inc
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
Baxter
Student Loan Refinance (variable) [Refinance]
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
Navy Federal Credit Union
Student and Parent Refinance Loan (fixed) [Refinance]
4.85
Navy Federal Credit Union
Student and Parent Refinance Loan (variable) [Refinance]
5.24
Merck Sharp Dohme Federal Credit Union
Fixed Rate Solution (fixed) [Refinance]
4.99 - 10.50
4.99 - 10.50
4.99 - 10.50
Merck Sharp Dohme Federal Credit Union
Variable Rate Solution (variable) [Refinance]
5.25 - 10.25
5.25 - 10.25
5.25 - 10.25
Soarion Credit Union
Student Loan Refi (fixed) [Refinance]
5.10
Gesa
Student Loan Refinance [Refinance]
5.50 - 12.00
Texas Dow Employees
Student Loan Refinance (fixed) [Refinance]
5.74 - 7.24
Service
Student Loan Refinance (fixed) [Refinance]
5.80 - 8.00
Service
Student Loan Refinance (variable) [Refinance]
7.24 - 9.59
University Of Wisconsin
Fixed Rate Refinance (fixed) [Refinance]
5.89
University Of Wisconsin
Variable Rate Refinance (variable) [Refinance]
6.07
Affinity Plus
Student Loan Refinance (fixed) [Refinance]
6.24 - 9.00

State Employees CU Of Maryland Inc

As of June 25, 2025, the Student Loan Refinance (fixed) [Refinance] at State Employees CU Of Maryland Inc offers competitive rates ranging from 7.08% to 9.50% APR. Since no prior data is available for comparison, rate trends are not established yet. If your current student loan rate exceeds 8%, refinancing here could lower your payments and save interest over time. This fixed-rate product provides stability and affordability for borrowers seeking to simplify or reduce their existing student loan debt. Keep an eye on future updates for potential rate movements that may benefit your refinancing strategy.

Baxter

As of June 25, 2025, Baxter’s refinance student loan rates debut with no prior data for direct comparison. The most competitive option is the Medical Degree Refi (fixed) at 4.80% APR, ideal for advanced degree holders seeking lower fixed payments. The Student Loan Refinance (variable) offers a slightly higher 4.89% APR, potentially benefiting borrowers comfortable with rate fluctuations. For those preferring stability, the Student Loan Refinance (fixed) stands at 6.30% APR. Consider refinancing if your current rate exceeds 8%, as these new options provide affordable alternatives for managing education debt effectively.

Navy Federal Credit Union

As of June 25, 2025, Navy Federal Credit Union’s Student and Parent Refinance Loans offer competitive rates with a fixed APR of 4.85% and a variable APR of 5.24%, both newly available without prior data for comparison. These rates provide an excellent opportunity for borrowers looking to lower their payments. If your current student loan rate exceeds 8%, refinancing with Navy Federal’s fixed or variable options could significantly reduce your interest costs. Keep an eye on these attractive refinance rates as you plan your education financing strategy.

Merck Sharp Dohme Federal Credit Union

As of June 25, 2025, Merck Sharp Dohme Federal Credit Union’s refinance rates remain steady with the Fixed Rate Solution offering 4.99% to 10.50% APR, unchanged over 7 days. The Variable Rate Solution holds at 5.25% to 10.25% APR, also stable week-over-week. Both products present competitive options for borrowers seeking to lower costs or simplify payments. Consider refinancing if your current student loan rate exceeds 8%, as these fixed and variable solutions offer attractive ranges with no recent increases, helping you manage education debt affordably.

Soarion Credit Union

As of June 25, 2025, Soarion Credit Union’s Student Loan Refi (fixed) rate stands at a competitive 5.10% APR. With no prior data for comparison, this fixed refinance option offers a strong opportunity for borrowers seeking stability and savings. If your current student loan rate exceeds 8%, refinancing with Soarion could significantly reduce your interest costs. This low, fixed rate makes Soarion’s refinance product an attractive choice for students and parents looking to lower monthly payments or pay off debt faster. Keep an eye on future updates as rates may shift with market trends.

Gesa

As of June 25, 2025, Gesa’s Student Loan Refinance rates range from 5.50% to 12.00% APR, offering competitive options for borrowers seeking to lower their payments. Since no prior data is available for comparison, rate trends cannot be determined this week. If your current student loan rate exceeds 8%, refinancing with Gesa could provide significant savings through more affordable interest rates tailored to your credit profile. This product remains a strong choice for students and parents aiming to reduce education debt costs efficiently.

Texas Dow Employees

As of June 25, 2025, Texas Dow Employees’ Student Loan Refinance (fixed) rates are 5.74% to 7.24% APR, with no prior data for direct comparison. This competitive fixed-rate range offers an excellent option for borrowers seeking stability in payments. If your current student loan rate exceeds 8%, refinancing here could lower your monthly costs significantly. With no recent rate changes reported, now is a solid time to explore refinancing options tailored to both students and parents aiming to reduce interest expenses.

Service

As of June 25, 2025, Service’s Student Loan Refinance rates are newly available with fixed APRs ranging from 5.80% to 8.00% and variable APRs between 7.24% and 9.59%. With no prior data for comparison, these competitive fixed rates offer a strong option for borrowers seeking stability, while variable rates may suit those anticipating rate drops. Consider refinancing if your current rate exceeds 8%, especially to lock in the attractive fixed rates now offered by Service. These products provide clear opportunities to reduce your education financing costs effectively.

University Of Wisconsin

As of June 25, 2025, the University Of Wisconsin’s refinance student loan rates are newly available with a Fixed Rate Refinance at 5.89% APR and a Variable Rate Refinance at 6.07% APR. Since no prior data exists, rate trends are untracked, but these competitive fixed and variable options offer affordable refinancing solutions. Borrowers with current rates above 8% should strongly consider refinancing now to lower monthly payments and save on interest. The fixed rate refinance at 5.89% APR stands out as the most cost-effective choice for predictable budgeting.

Affinity Plus

As of June 25, 2025, Affinity Plus Student Loan Refinance (fixed) rates range from 6.24% to 9.00% APR. With no prior data for direct comparison, these rates represent a strong opportunity for borrowers seeking to lower costs. If your current student loan rate is above 8%, refinancing with Affinity Plus could provide significant savings thanks to competitive fixed terms tailored for both students and parents. Keep an eye on Affinity Plus for stable, affordable refinance options that help manage education debt effectively.

LendMesh

Student loans don’t need to feel like a trap. At LendMesh, we show you real rates from real lenders—so you can make choices that give you freedom, not frustration. Visit https://www.lendmesh.com/loans/student_loans and make borrowing work for you.

Conclusion

With today’s varied but generally low refinance rates across credit unions, it’s a smart time for borrowers—especially those with good credit—to consider locking in a fixed rate while rates remain attractive. Even small APR differences can translate into significant savings over the life of a loan, so comparing options carefully pays off. Parents refinancing on programs like Navy Federal’s fixed-rate loan at 4.85% should act swiftly to secure these competitive terms before market shifts occur. Students aiming for variable rates can benefit from the flexibility offered by Baxter or Navy Federal but should monitor potential rate fluctuations closely. To make the most of these opportunities, gather your current loan details and credit information now, then reach out to these credit unions to explore personalized offers. Taking action soon could mean lowering your financial stress and freeing up funds for other priorities in your academic journey or family budget.