Introduction
As of July 9, 2025, students and parents exploring refinancing options can find some of the most competitive rates available at credit unions nationwide. For those seeking fixed-rate student loan refinancing, Lake Trust Credit Union stands out with an impressively low starting rate of 3.90%, including a specialized Nursing Loan Refinance option going up to 11.50%. If variable rates are on your radar, Soarion Credit Union offers a solid fixed rate at 4.60% and a variable rate starting at 5.75%, providing flexible options for different financial needs. Meanwhile, Navy Federal Credit Union maintains steady fixed refinance rates at 4.85% for both students and parents, alongside variable rates around 5.22%. For those prioritizing parent loan refinancing, programs like Metro’s Parent Loan Refi feature competitive fixed rates from 4.99% to 8.99%. Whether you’re a recent graduate or supporting your child through college financing, today’s data highlights standout opportunities to reduce your interest burden and save over the life of your loans.
Refinance - Student Loans
Credit Union
Product
2025-07-09
(Current Day)
(Current Day)
2025-07-02
(7 Days Ago)
(7 Days Ago)
2025-06-24
(15 Days Ago)
(15 Days Ago)
2025-05-25
(45 Days Ago)
(45 Days Ago)
2025-05-10
(60 Days Ago)
(60 Days Ago)
Lake Trust
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
Lake Trust
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
State Employees CU Of Maryland Inc
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
Georgia S Own
Fixed Rates (fixed) [Refinance]
4.50 - 7.00
Georgia S Own
Variable Rates (variable) [Refinance]
7.75 - 9.75
Soarion Credit Union
Student Loan Refinance (fixed) [Refinance]
4.60
5.10▲ 50 bps
5.10▲ 50 bps
Soarion Credit Union
Student Loan Refinance (variable) [Refinance]
5.75
6.24▲ 49 bps
6.24▲ 49 bps
Baxter
Medical Degree Refi (fixed) [Refinance]
4.80
4.80
4.80
Baxter
Student Loan Refinance (variable) [Refinance]
4.89
4.89
4.89
Baxter
Student Loan Refinance (fixed) [Refinance]
6.30
6.30
6.30
Navy Federal Credit Union
Student and Parent Refinance Loans (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Student Refinance Loans (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Parent Refinance Loans (fixed) [Refinance]
4.85
4.85
Navy Federal Credit Union
Student and Parent Refinance Loans (variable) [Refinance]
5.22
5.22
Navy Federal Credit Union
Student Refinance Loans (variable) [Refinance]
5.22
5.22
Navy Federal Credit Union
Parent Refinance Loans (variable) [Refinance]
5.22
5.22
Metro
Student Loan Refi (fixed) [Refinance]
4.99 - 8.99
Metro
Parent Loan Refi (fixed) [Refinance]
4.99 - 8.99
Gesa
Fixed Rates (fixed) [Refinance]
5.50 - 12.00
Gesa
Variable Rates (variable) [Refinance]
6.75 - 12.75
United
Fixed Rates (fixed) [Refinance]
5.53 - 10.79
United
Variable Rates (variable) [Refinance]
6.50 - 13.00
Texas Dow Employees
Student Loan Refinance (fixed) [Refinance]
5.74 - 7.24
5.74 - 7.24
5.74 - 7.24
Lake Trust
As of July 9, 2025, Lake Trust’s Student Loan Refinance (fixed) rates start at a competitive 3.90% APR, with upper limits at 9.75%. Similarly, the Nursing Loan Refinance (fixed) offers rates from 3.90% to 11.50% APR. With no prior data for comparison, these fresh refinance options provide attractive entry points for borrowers. If your current loan rate exceeds 8%, exploring Lake Trust’s refinancing could lower your monthly payments and save interest over time. Both programs present solid opportunities for students and parents seeking affordable education financing today.
State Employees CU Of Maryland Inc
As of July 9, 2025, the Student Loan Refinance (fixed) rates at State Employees CU Of Maryland Inc remain steady, holding at a competitive 7.08% - 9.50% APR with no changes over the past 30 days. This stability offers borrowers reliable refinancing options. Consider refinancing if your current rate exceeds 8%, as locking in today’s fixed rates could lower your monthly payments and overall interest costs. With no recent rate increases, this product continues to be a strong choice for both students and parents seeking affordable education financing through refinancing.
Georgia S Own
As of July 9, 2025, Georgia S Own's refinance student loan rates are newly available with fixed rates ranging from 4.50% to 7.00% APR and variable rates between 7.75% and 9.75% APR. Since these are fresh offerings, no rate changes are tracked yet. The fixed-rate refinance option stands out as the most competitive, ideal for borrowers seeking predictable payments. Consider refinancing if your current rate exceeds 8%, especially to lock in a lower fixed APR and potentially save on interest over time. Stay tuned for upcoming rate trends as data develops.
Soarion Credit Union
As of July 9, 2025, Soarion Credit Union’s Student Loan Refinance rates offer competitive options for borrowers. The fixed refinance rate stands at 4.60%, and the variable rate is 5.75%, both newly available with no prior data to compare. These rates are notably affordable in today’s market. If your current student loan rate exceeds 8%, refinancing with Soarion could significantly reduce your interest costs. Choosing between fixed and variable options depends on your risk tolerance and financial goals, but locking in a 4.60% fixed APR provides stable, predictable payments.
Baxter
As of July 9, 2025, Baxter’s refinance student loan rates remain steady across all products with no changes over the past 30 days. The Medical Degree Refi (fixed) offers the lowest APR at 4.80%, making it an excellent choice for medical graduates seeking affordable fixed rates. The Student Loan Refinance (variable) holds a competitive 4.89% APR, ideal for borrowers comfortable with variable rates. Meanwhile, the fixed Student Loan Refinance is priced at 6.30% APR. If your current rate exceeds 8%, refinancing with Baxter could significantly reduce your payments and interest costs.
Navy Federal Credit Union
As of July 9, 2025, Navy Federal Credit Union’s refinance student and parent loan rates remain steady, with fixed rates holding at 4.85% APR across all refinance options. Variable rates also stay unchanged at 5.22% APR for student, parent, and combined refinance loans. These consistent, competitive rates offer excellent refinancing opportunities. If your current student loan rate exceeds 8%, consider Navy Federal’s fixed or variable refinance loans to potentially lower your payments and save on interest. With no recent rate increases, now is a strong time to explore refinancing options for more affordable education financing.
Metro
As of July 9, 2025, Metro’s Student Loan Refi (fixed) and Parent Loan Refi (fixed) both offer competitive rates ranging from 4.99% to 8.99% APR. Since no prior data is available, rate trends are stable for now. These fixed refinance loans provide a strong option for borrowers looking to lower their current rates, especially if your existing loan exceeds 8% APR. Considering refinancing with Metro could help reduce monthly payments and overall interest costs with transparent, affordable terms tailored for students and parents alike.
Gesa
As of July 9, 2025, Gesa’s refinance student loan rates offer competitive options. The Fixed Rates (5.50% - 12.00%) and Variable Rates (6.75% - 12.75%) are newly available with no prior data for comparison. Fixed-rate loans at 5.50% provide the lowest starting APR, ideal for borrowers seeking predictable payments. If your current rate exceeds 8%, consider refinancing to lock in more affordable terms with Gesa’s options. Staying informed on these fresh offerings can help students and parents make smarter education financing decisions today.
United
As of July 9, 2025, United’s refinance student loan rates are newly available with fixed rates ranging from 5.53% to 10.79% and variable rates between 6.50% and 13.00%. Since no prior data exists for comparison, no rate changes can be reported yet. Notably, the fixed-rate refinance option offers the lowest starting APR at 5.53%, making it a competitive choice for borrowers seeking stability. Consider refinancing if your current loan rate exceeds 8%, especially to lock in these attractive fixed terms. Staying informed on these evolving rates can help optimize your education financing strategy.
Texas Dow Employees
As of July 9, 2025, Texas Dow Employees’ Student Loan Refinance (fixed) rates remain steady at 5.74% - 7.24%, showing no change over the past 7, 15, and 30 days. This stable rate range offers a competitive option for borrowers seeking predictable payments. If your current student loan rate exceeds 8%, refinancing here could lower your monthly costs and total interest paid. With no upward trend in rates recently, now is a practical time to evaluate refinancing opportunities through Texas Dow Employees credit union.
LendMesh
Books, rent, tuition—it adds up fast. At LendMesh, we help students like you find loans that don’t add stress. Compare flexible, transparent offers from banks and credit unions at https://www.lendmesh.com/loans/student_loans and take the next step with confidence.
Conclusion
As you weigh your refinancing choices, now is an excellent time to consider locking in rates—especially if you prefer predictable monthly payments with fixed APRs near historic lows like those at Lake Trust or Navy Federal Credit Union. Even small differences in APR can translate into significant savings over time, so staying informed about weekly shifts matters. Parents looking to ease the financial load should explore parent-specific programs like Metro’s Parent Loan Refi while students benefit from comparing both fixed and variable options tailored to their unique situations. Before committing, review eligibility requirements and consider your repayment timeline carefully. To make the most of these offers, take action promptly; some credit unions have limited-time promotions or caps on availability. Starting your application early and consulting with a loan officer could unlock even better terms—making this summer a smart season to refinance and regain control of your student debt journey.