As of June 27, 2025, students and parents exploring student loan options have some attractive choices from credit unions nationwide. If you’re looking for the lowest fixed rates on undergraduate loans, Eecu’s Texas Extra Credit Education Loan stands out with rates starting as low as 2.74%—a fantastic opportunity for cost-conscious borrowers. For graduate and professional students, several credit unions including Citadel, Global, and Knoxville TVA Employees offer a variety of fixed-rate loans beginning at 3.19%, covering programs from medical and dental school to MBA and law school loans. Variable rate options are also available, typically starting around 4.37%, providing flexibility depending on your financial goals. Parents considering loans will find competitive options too, such as Ascent Funding Credit Union’s Parent Credit-Based Loan with fixed rates starting at 5.35%. With no significant APR changes reported in the past month, today’s rates provide a stable environment for making informed borrowing decisions. Whether you’re an undergraduate, graduate student, or parent funding education costs, these competitive programs and low starting APRs offer solid opportunities to manage education expenses effectively.