July 18, 2025: Lowest Student Loans from 2.74% Fixed at Eecu & Ascent

As of July 18, 2025, students and parents exploring student loan options can find some of the most competitive rates available at credit unions nationwide. If you’re looking for the lowest fixed rates, Eecu’s Texas Extra Credit Education Loan stands out with a remarkable 2.74% APR at the low end, perfect for borrowers seeking stability in repayment. For those considering variable-rate options, Ascent Funding Credit Union offers a range starting from 4.31% APR, while Safe and several other credit unions provide tailored loans for medical, dental, law, and graduate programs with rates beginning just above 3%. Whether you’re an undergraduate, graduate student, or parent cosigning a loan, today’s data highlights strong choices with rates remaining steady compared to last week—no significant APR shifts were noted in the past 7 days. This stability means borrowers can confidently compare programs like Safe’s Private Student Loans or Achieva’s specialty loans without worrying about sudden rate spikes. For families prioritizing affordability and reliability, fixed-rate loans under 3.20% remain an attractive option across multiple credit unions this week.