Introduction

As of July 4, 2025, students and parents exploring student loan options have access to some of the most competitive rates seen recently at credit unions nationwide. For those seeking undergraduate loans, programs like the Texas Extra Credit Education Loan from Eecu stand out with impressively low fixed rates starting as low as 2.74% APR—a fantastic option for budget-conscious borrowers. Graduate students and professional degree seekers will find solid choices at multiple credit unions such as Citadel, Knoxville Tva Employees, and Pennsylvania State Employees, where fixed graduate school loans begin around 3.19% APR. Variable rate loans tend to start slightly higher but offer flexibility for some borrowers. Parents looking to support their children’s education should note the range of Parent Credit-Based Loans at Ascent Funding Credit Union, offering fixed rates from 5.10% APR upwards. Importantly, weekly rate changes have been minimal across the board, keeping this a stable moment to shop confidently for financing your education journey.

New - Student Loans

Credit Union
Product
2025-07-04
(Current Day)
2025-06-27
(7 Days Ago)
2025-06-19
(15 Days Ago)
2025-06-04
(30 Days Ago)
2025-05-20
(45 Days Ago)
2025-05-05
(60 Days Ago)
Eecu
Texas Extra Credit Education Loan (fixed)
2.74 - 6.89
2.74 - 6.89
Ascent Funding Credit Union
Cosigned Credit-Based Loan (fixed)
3.09 - 14.41
3.39 - 14.46▲ 30 bps
Ascent Funding Credit Union
Cosigned Credit-Based Loan (variable)
4.31 - 14.72
4.70 - 14.26▲ 39 bps
Ascent Funding Credit Union
Parent Credit-Based Loan (fixed)
5.10 - 15.61
5.35 - 15.86▲ 25 bps
Ascent Funding Credit Union
Parent Credit-Based Loan (variable)
5.51 - 15.22
5.55 - 15.26▲ 4 bps
Ascent Funding Credit Union
Non-Cosigned Credit-Based Loan (variable)
8.21 - 13.57
8.25 - 13.61▲ 4 bps
Ascent Funding Credit Union
Non-Cosigned Credit-Based Loan (fixed)
8.29 - 13.76
8.49 - 14.01▲ 20 bps
Ascent Funding Credit Union
Non-Cosigned Outcomes-Based Loan (variable)
12.87 - 14.81
12.90 - 14.85▲ 3 bps
Ascent Funding Credit Union
Non-Cosigned Outcomes-Based Loan (fixed)
12.98 - 14.93
13.16 - 15.13▲ 18 bps
Citadel
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Citadel
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Citadel
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Citadel
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Citadel
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Citadel
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Citadel
Smart Option Student Loan (fixed)
3.19 - 16.99
3.19 - 16.99
Citadel
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Citadel
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Citadel
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Citadel
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Citadel
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Citadel
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Citadel
Smart Option Student Loan (variable)
4.37 - 16.49
4.37 - 16.49
Citadel
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Citadel
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Citadel
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Citadel
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Citadel
Bar Study Loan (fixed)
7.01 - 15.26
7.01 - 15.26
Citadel
Bar Study Loan (variable)
7.13 - 16.74
7.13 - 16.74
Knoxville Tva Employees
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Knoxville Tva Employees
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Knoxville Tva Employees
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Knoxville Tva Employees
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Knoxville Tva Employees
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Knoxville Tva Employees
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Knoxville Tva Employees
Smart Option Student Loan® (fixed)
3.19 - 16.99
3.19 - 16.99
Knoxville Tva Employees
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Knoxville Tva Employees
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Knoxville Tva Employees
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Knoxville Tva Employees
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Knoxville Tva Employees
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Knoxville Tva Employees
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Knoxville Tva Employees
Smart Option Student Loan® (variable)
4.37 - 16.49
4.37 - 16.49
Knoxville Tva Employees
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Knoxville Tva Employees
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Knoxville Tva Employees
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Knoxville Tva Employees
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Knoxville Tva Employees
Bar Study Loan (fixed)
7.01 - 15.26
7.01 - 15.26
Knoxville Tva Employees
Bar Study Loan (variable)
7.13 - 16.74
7.13 - 16.74
Pennsylvania State Employees
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Pennsylvania State Employees
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Pennsylvania State Employees
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Pennsylvania State Employees
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Pennsylvania State Employees
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Pennsylvania State Employees
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Pennsylvania State Employees
Undergraduate students (fixed)
3.19 - 16.99
3.19 - 16.99
Pennsylvania State Employees
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Pennsylvania State Employees
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Pennsylvania State Employees
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Pennsylvania State Employees
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Pennsylvania State Employees
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Pennsylvania State Employees
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Pennsylvania State Employees
Undergraduate students (variable)
4.37 - 16.49
4.37 - 16.49
Security Service
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Security Service
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Security Service
MBA Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Security Service
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Security Service
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Security Service
Graduate School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Security Service
Smart Option Student Loan® (fixed)
3.19 - 16.99
3.19 - 16.99
Security Service
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Security Service
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Security Service
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Security Service
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Security Service
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Security Service
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Security Service
Smart Option Student Loan® (variable)
4.37 - 16.49
4.37 - 16.49
Security Service
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Security Service
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Security Service
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Security Service
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Security Service
Bar Study Loan (fixed)
7.01 - 15.26
7.01 - 15.26
Security Service
Bar Study Loan (variable)
7.13 - 16.74
7.13 - 16.74
Global
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Global
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Global
MBA Loan (fixed)
3.19 - 14.99
Global
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Global
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Global
Smart Option Student Loan® for Undergraduate students (fixed)
3.19 - 16.99
Global
Smart Option Student Loan® for Career training students (fixed)
3.19 - 17.18
Global
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Global
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Global
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Global
MBA Loan (variable)
4.37 - 13.98
Global
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Global
Smart Option Student Loan® for Undergraduate students (variable)
4.37 - 16.49
Global
Smart Option Student Loan® for Career training students (variable)
4.37 - 16.73
Global
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Global
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Global
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Global
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Global
Bar Study Loan (fixed)
7.01 - 15.26
Global
Bar Study Loan (variable)
7.13 - 16.74
Lake Michigan
Medical School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Lake Michigan
Dental School Loan (fixed)
3.19 - 14.98
3.19 - 14.98
Lake Michigan
MBA Loan (fixed)
3.19 - 14.99
Lake Michigan
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
3.19 - 14.99
Lake Michigan
Law School Loan (fixed)
3.19 - 14.99
3.19 - 14.99
Lake Michigan
Smart Option Student Loan® for Undergraduate students (fixed)
3.19 - 16.99
Lake Michigan
Smart Option Student Loan® for Career training students (fixed)
3.19 - 17.18
Lake Michigan
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Lake Michigan
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Lake Michigan
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Lake Michigan
MBA Loan (variable)
4.37 - 13.98
Lake Michigan
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Lake Michigan
Smart Option Student Loan® for Undergraduate students (variable)
4.37 - 16.49
Lake Michigan
Smart Option Student Loan® for Career training students (variable)
4.37 - 16.73
Lake Michigan
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Lake Michigan
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
6.40 - 11.89
Lake Michigan
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Lake Michigan
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Lake Michigan
Bar Study Loan (fixed)
7.01 - 15.26
Lake Michigan
Bar Study Loan (variable)
7.13 - 16.74
Randolph Brooks
Smart Option Student Loan® for Undergraduate students (fixed)
3.19 - 16.99
Randolph Brooks
Smart Option Student Loan® for Career training students (fixed)
3.19 - 17.18
Randolph Brooks
Medical School Loan (variable)
4.37 - 13.96
4.37 - 13.96
Randolph Brooks
Dental School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Randolph Brooks
Law School Loan (variable)
4.37 - 13.97
4.37 - 13.97
Randolph Brooks
MBA Loan (variable)
4.37 - 13.98
4.37 - 13.98
Randolph Brooks
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
4.37 - 13.98
Randolph Brooks
Graduate School Loan (variable)
4.37 - 13.98
4.37 - 13.98
Randolph Brooks
Smart Option Student Loan® for Undergraduate students (variable)
4.37 - 16.49
Randolph Brooks
Smart Option Student Loan® for Career training students (variable)
4.37 - 16.73
Randolph Brooks
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Randolph Brooks
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
7.00 - 12.45
Randolph Brooks
Bar Study Loan (variable)
7.13 - 16.74
7.13 - 16.74
Washington State Employees
Medical School Loan (fixed)
3.19 - 14.98
Washington State Employees
Dental School Loan (fixed)
3.19 - 14.98
Washington State Employees
MBA Loan (fixed)
3.19 - 14.99
Washington State Employees
Graduate School Loan for Health Professions (fixed)
3.19 - 14.99
Washington State Employees
Law School Loan (fixed)
3.19 - 14.99
Washington State Employees
Graduate School Loan (fixed)
3.19 - 14.99
Washington State Employees
Undergraduate Student Loans (fixed)
3.19 - 16.99
Washington State Employees
Career Training Student Loans (fixed)
3.19 - 17.18
Washington State Employees
Medical School Loan (variable)
4.37 - 13.96
Washington State Employees
Dental School Loan (variable)
4.37 - 13.97
Washington State Employees
Law School Loan (variable)
4.37 - 13.97
Washington State Employees
MBA Loan (variable)
4.37 - 13.98
Washington State Employees
Graduate School Loan for Health Professions (variable)
4.37 - 13.98
Washington State Employees
Graduate School Loan (variable)
4.37 - 13.98
Washington State Employees
Undergraduate Student Loans (variable)
4.37 - 16.49
Washington State Employees
Career Training Student Loans (variable)
4.37 - 16.73
Washington State Employees
Medical Residency and Relocation Loan (fixed)
6.40 - 11.89
Washington State Employees
Dental Residency and Relocation Loan (fixed)
6.40 - 11.89
Washington State Employees
Medical Residency and Relocation Loan (variable)
7.00 - 12.45
Washington State Employees
Dental Residency and Relocation Loan (variable)
7.00 - 12.45
Washington State Employees
Bar Study Loan (fixed)
7.01 - 15.26
Washington State Employees
Bar Study Loan (variable)
7.13 - 16.74

Eecu

As of July 4, 2025, the Eecu Texas Extra Credit Education Loan (fixed) maintains a steady APR range of 2.74% to 6.89%, showing no change over the past 7 days. This consistent low starting rate makes it one of the most competitive new student loan options available today. Students and parents seeking affordable education financing should consider this fixed-rate loan for predictable payments and potential savings. If your current student loan APR exceeds 7%, exploring this product could reduce your overall borrowing costs while supporting your educational goals.

Ascent Funding Credit Union

As of July 4, 2025, Ascent Funding Credit Union’s new student loan rates show slight improvements. The Cosigned Credit-Based Loan (fixed) dropped to 3.09% - 14.41%, down 30 bps from last week, offering the most competitive fixed rates for cosigned borrowers. Variable cosigned loans also eased slightly to 4.31% - 14.72%. Parent loans remain stable with fixed rates at 5.10% - 15.61% and variable at 5.51% - 15.22%. Non-cosigned loans hold steady above 8%, suggesting borrowers with rates over 8% should explore refinancing options. For outcomes-based loans, fixed rates slightly decreased to 12.98% - 14.93%, providing alternatives for non-cosigned borrowers seeking flexibility.

Citadel

As of July 4, 2025, Citadel’s new student loan rates remain stable with no changes over the past 7 to 30 days. Fixed loans for Medical, Dental, MBA, Law, and Graduate Health Professions start as low as 3.19% APR, offering some of the most competitive options for borrowers seeking predictable payments. The Smart Option Student Loan (fixed) ranges up to 16.99% APR, while variable rates begin at 4.37% APR, slightly higher but potentially beneficial if rates drop. For those with existing loans above 8% APR, exploring these fixed-rate products could provide significant savings and payment certainty.

Knoxville Tva Employees

As of July 4, 2025, Knoxville Tva Employees student loan rates remain stable with no changes over the past 30 days. Fixed-rate Medical, Dental, MBA, Law, and Graduate School Loans hold steady between 3.19% - 14.99% APR, offering competitive options for specialized degrees. The Smart Option Student Loan® (fixed) starts at 3.19% APR, ideal for borrowers seeking predictability. Variable rates range from 4.37% to 16.49% APR, with the Smart Option Student Loan® (variable) topping at 16.49% APR—higher but flexible. For those with rates above 8%, exploring these fixed products could provide cost savings and rate security.

Pennsylvania State Employees

As of July 4, 2025, Pennsylvania State Employees credit union’s new student loan rates remain steady across all products with fixed APRs ranging from 3.19% to 16.99% and variable APRs between 4.37% and 16.49%, unchanged over the past 7 to 30 days. The most competitive options are the Medical, Dental, MBA, Law, and Graduate Health Professions fixed loans at a low 3.19% APR floor. For borrowers seeking flexibility, variable rates start slightly higher but stay stable. If your current loan exceeds 8%, exploring these fixed-rate loans could provide significant savings and predictability over time.

Security Service

As of July 4, 2025, Security Service’s new student loan rates remain stable with no changes over the past 7 to 30 days. Fixed APRs start as low as 3.19% for programs like Medical School Loan, Dental School Loan, MBA Loan, and Law School Loan, offering highly competitive options for borrowers seeking predictable payments. Variable rates begin at 4.37%, with the Smart Option Student Loan® variable rate peaking at 16.49%. For those pursuing residency or bar study loans, fixed rates range from 6.40% to 15.26%, while variable rates are slightly higher. Borrowers with rates above 8% should explore Security Service’s fixed loans starting at 3.19% to potentially lower costs.

Global

As of July 4, 2025, Global’s new student loan rates remain steady with no recent changes in APRs across all products compared to 7 days ago. The most competitive options are fixed-rate loans for Medical School, Dental School, MBA, and Health Professions Graduate programs, starting as low as 3.19% APR. Variable-rate loans begin at 4.37% APR, slightly higher but still attractive. For those pursuing career training or undergraduate studies, the Smart Option Student Loan® offers rates from 3.19% to 17.18% APR (fixed). Borrowers with current rates above 8% should consider these affordable alternatives to reduce costs.

Lake Michigan

Lake Michigan’s new student loan rates remain steady this week, with no changes in fixed or variable APRs across all products. The most competitive options start at 3.19% APR for fixed loans like the Medical, Dental, MBA, and Law School Loans. Variable rates begin at 4.37% APR for similar programs. Notably, the Smart Option Student Loan® for undergraduates (fixed) offers rates from 3.19% to 16.99%, providing flexible options for career training students as well. Borrowers with existing loans above 8% APR should consider these affordable new rates to reduce borrowing costs effectively.

Randolph Brooks

As of July 4, 2025, Randolph Brooks’ new student loan rates remain steady with no changes over the past 7 days. The Smart Option Student Loan® for Undergraduate students (fixed) offers a competitive APR range of 3.19% to 16.99%, making it an attractive choice for undergraduates seeking fixed rates. Variable rates across graduate and professional loans hold between 4.37% and 13.98%, consistent with last week’s figures. For borrowers with current rates above 8%, exploring these options could provide better terms. Medical Residency and Bar Study variable loans start higher, from 7.00% and 7.13%, respectively, so careful comparison is advised before committing.

Washington State Employees

As of July 4, 2025, all Washington State Employees new student loan rates are freshly set with no prior data for comparison. Fixed loans for programs like Medical School, Dental School, MBA, and Graduate Health Professions start as low as 3.19% APR, while Undergraduate fixed loans range from 3.19% to 16.99% APR. Variable rates begin at 4.37% APR across most programs. Notably, Career Training loans have the highest fixed rate ceiling at 17.18%. For borrowers seeking affordability and stability, fixed-rate loans under 4% offer strong value today. Those with higher current rates may consider these competitive options when planning education financing.

LendMesh

Not all student loans are created equal. LendMesh helps you avoid sky-high rates by comparing trusted lenders side by side. Whether it’s undergraduate or graduate school, explore clear and affordable funding options at https://www.lendmesh.com/loans/student_loans .

Conclusion

With interest rates holding steady this week, now is an excellent time for students and parents to consider locking in a favorable rate—especially if you qualify for the low fixed APRs near 2.74% to 3.19%. Even small differences in APR can lead to significant savings over the life of a loan, so don’t overlook these opportunities when planning your budget. If you’re weighing variable versus fixed options, think about your risk tolerance and how long you expect to carry the loan; fixed rates provide predictability while variable rates might offer initial savings with some fluctuation risk. For parents co-signing or applying for parent-specific loans, paying attention to subtle shifts in APRs can help avoid surprises down the line. As you explore these credit union offerings, be sure to gather all required documents early and reach out soon—locking in today’s best rates could make a meaningful difference in your financial future.