Introduction
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.
New - Student Loans
| Lender | Product | 2025-07-18 Current | 2025-07-11 7 Days Ago | 2025-07-03 15 Days Ago | 2025-06-18 30 Days Ago | 2025-06-03 45 Days Ago | 2025-05-19 60 Days Ago |
|---|---|---|---|---|---|---|---|
| EecuLOWEST | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 3.09 - 14.41% | 3.09 - 14.41% | N/A | N/A | N/A | N/A |
| Safe | Private Student Loans with Cosigner (fixed) | 3.09 - 15.61% | 3.09 - 15.61% | N/A | N/A | N/A | N/A |
| Safe | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Safe | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Safe | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Safe | Law School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Safe | Undergraduate Student Loan (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Safe | Career Training Loan (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical school loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental school loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | MBA loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Health professions loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Law school loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Graduate school loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Undergraduate student loan (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Career training loan (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Medical school loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Dental school loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Affinity | MBA loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Health professions loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Law school loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Graduate school loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Undergraduate student loan (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Career training loan (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| American Heritage | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| American Heritage | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| American Heritage | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| American Heritage | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| American Heritage | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| American Heritage | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | 3.19 - 17.18% | N/A | N/A | N/A | N/A |
| Apple | Medical School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Apple | Dental School Loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Apple | MBA Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Apple | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Apple | Law School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Apple | Graduate School Loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Apple | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Apple | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Bellco | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Bellco | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| Bellco | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| Bellco | Smart Option Student Loan® for Undergraduate students (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Bellco | Smart Option Student Loan® for Career training students (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| California Coast | Medical School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| California Coast | Dental School Loan (fixed) | 3.19 - 14.98% | 3.19 - 14.98% | N/A | N/A | N/A | N/A |
| California Coast | MBA Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| California Coast | Graduate School Loan for Health Professions (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| California Coast | Law School Loan (fixed) | 3.19 - 14.99% | 3.19 - 14.99% | N/A | N/A | N/A | N/A |
| California Coast | Undergraduate Student Loans (fixed) | 3.19 - 16.99% | 3.19 - 16.99% | N/A | N/A | N/A | N/A |
| California Coast | Career Training Student Loans (fixed) | 3.19 - 17.18% | 3.19 - 17.18% | N/A | N/A | N/A | N/A |
| Citadel | Medical school loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Dental school loan (fixed) | 3.19 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| Citadel | MBA loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Graduate school loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Law school loan (fixed) | 3.19 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Undergraduate student loan (fixed) | 3.19 - 16.99% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Career training loan (fixed) | 3.19 - 17.18% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 4.31 - 14.72% | 4.31 - 14.72% | N/A | N/A | N/A | N/A |
| Safe | Private Student Loans with Cosigner (variable) | 4.31 - 15.22% | 4.31 - 15.22% | N/A | N/A | N/A | N/A |
| Safe | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Safe | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Safe | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Safe | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Safe | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Safe | Undergraduate Student Loan (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Safe | Career Training Loan (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical school loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Health professions loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Graduate school loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Undergraduate student loan (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Career training loan (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Medical school loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Affinity | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Health professions loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Graduate school loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Undergraduate student loan (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Affinity | Career training loan (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| American Heritage | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| American Heritage | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| American Heritage | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| American Heritage | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| American Heritage | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| American Heritage | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | 4.37 - 16.73% | N/A | N/A | N/A | N/A |
| Apple | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A |
| Apple | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Apple | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A |
| Apple | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Apple | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Apple | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A |
| Apple | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Apple | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Bellco | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| Bellco | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Bellco | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| Bellco | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Bellco | Graduate School Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| Bellco | Smart Option Student Loan® for Undergraduate students (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Bellco | Smart Option Student Loan® for Career training students (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| California Coast | Medical School Loan (variable) | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| California Coast | Dental School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| California Coast | Law School Loan (variable) | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| California Coast | MBA Loan (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| California Coast | Graduate School Loan for Health Professions (variable) | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| California Coast | Undergraduate Student Loans (variable) | 4.37 - 16.49% | 4.37 - 16.49% | N/A | N/A | N/A | N/A |
| California Coast | Career Training Student Loans (variable) | 4.37 - 16.73% | 4.37 - 16.73% | N/A | N/A | N/A | N/A |
| Citadel | Medical school loan (variable) | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Dental school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Law school loan (variable) | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| Citadel | MBA loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Graduate school loan (variable) | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Undergraduate student loan (variable) | 4.37 - 16.49% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Career training loan (variable) | 4.37 - 16.73% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 5.10 - 15.61% | 5.10 - 15.61% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 5.51 - 15.22% | 5.51 - 15.22% | N/A | N/A | N/A | N/A |
| Safe | Medical Residency Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Safe | Dental Residency Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| American Heritage | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Apple | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Apple | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Bellco | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Bellco | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| California Coast | Medical Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| California Coast | Dental Residency and Relocation Loan (fixed) | 6.40 - 11.89% | 6.40 - 11.89% | N/A | N/A | N/A | N/A |
| Citadel | Medical residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Medical residency loan (variable) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Dental residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Citadel | Dental residency loan (variable) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A |
| Safe | Medical Residency Loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Safe | Dental Residency Loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Medical residency loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Dental residency loan (variable) | 7.00 - 12.45% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| American Heritage | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Apple | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A |
| Apple | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A |
| Bellco | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Bellco | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| California Coast | Medical Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| California Coast | Dental Residency and Relocation Loan (variable) | 7.00 - 12.45% | 7.00 - 12.45% | N/A | N/A | N/A | N/A |
| Safe | Bar Exam Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Apple | Bar Study Loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Bellco | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| California Coast | Bar Study Loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| Citadel | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| Safe | Bar Exam Loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| Achieva Credit Union | Bar exam loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| American Heritage | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Apple | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A |
| Bellco | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| California Coast | Bar Study Loan (variable) | 7.13 - 16.74% | 7.13 - 16.74% | N/A | N/A | N/A | N/A |
| Citadel | Bar exam loan (variable) | 7.13 - 16.74% | N/A | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (variable) | 8.21 - 13.57% | 8.21 - 13.57% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Credit-Based Loan (fixed) | 8.29 - 13.76% | 8.29 - 13.76% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Outcomes-Based Loan (variable) | 12.87 - 14.81% | 12.87 - 14.81% | N/A | N/A | N/A | N/A |
| Ascent Funding Credit Union | Outcomes-Based Loan (fixed) | 12.98 - 14.93% | 12.98 - 14.93% | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
Eecu
As of July 18, 2025, Eecu’s Texas Extra Credit Education Loan (fixed) maintains a steady APR range of 2.74% to 6.89%, unchanged over the past 30 days. This consistent rate offers one of the most competitive fixed options for new student loans today. Borrowers seeking predictable payments should consider this product, especially if current loan rates exceed 7%. Staying informed on stable, low-rate loans like Eecu’s can help students and parents manage education costs effectively.
Ascent Funding Credit Union
As of July 18, 2025, Ascent Funding Credit Union’s new student loan rates remain steady with no changes in the past 7 days. The most competitive option is the Credit-Based Loan (fixed) starting at a low 3.09% APR, ideal for borrowers seeking predictable payments. Variable-rate loans range from 4.31% to 15.22% APR, offering flexibility but potential rate fluctuations. Outcomes-Based Loans hold higher fixed and variable rates between 12.87% and 14.93% APR, suited for those confident in future earnings. Consider locking in fixed rates below 8% to secure affordability amid market stability.
Safe
This week at Safe, Private Student Loans with Cosigner (fixed and variable) remain steady at 3.09% - 15.61% and 4.31% - 15.22% APR respectively. New fixed-rate options like Medical, Dental, MBA, and Graduate School Loans start competitively at 3.19%, while Undergraduate fixed loans range up to 16.99%. Variable rates for similar programs begin around 4.37%. Notably, rates have held stable over 7 days with no increases. For borrowers with rates above 8%, exploring these competitive new loans or cosigned options could improve affordability. Safe’s consistent low starting rates offer strong value for education financing today.
Achieva Credit Union
As of July 18, 2025, Achieva Credit Union’s new student loan rates remain steady with no prior data for comparison. Fixed rates start as low as 3.19% APR across Medical, Dental, MBA, Health Professions, Law, Graduate, and Undergraduate loans, making these some of the most competitive options available. Career training loans offer fixed rates up to 17.18% APR, while variable rates begin at 4.37% APR for most programs. For borrowers with existing loans above 8%, exploring Achieva’s fixed-rate options could provide valuable savings and payment stability.
Affinity
This week at Affinity, new student loan rates remain steady with fixed APRs starting at 3.19% across all programs including Medical, Dental, MBA, Health Professions, Law, Graduate, Undergraduate, and Career Training loans. Variable rates begin slightly higher at 4.37%. The Career Training loan (fixed) holds the highest upper APR at 17.18%, while the lowest is tied among professional school fixed loans at 3.19%. With no rate changes yet recorded, now is an ideal time to lock in competitive fixed rates under 4%. Borrowers seeking predictability should consider fixed loans; those comfortable with fluctuations might explore variable options starting at 4.37%.
American Heritage
As of July 18, 2025, American Heritage’s new student loan rates remain steady across all products with fixed APRs starting as low as 3.19% on programs like the Medical School Loan, Dental School Loan, and MBA Loan. Variable rates also hold firm, beginning at 4.37% for similar graduate loans. The most competitive option is the Smart Option Student Loan® for Undergraduate students (fixed) at 3.19% - 16.99% APR. For borrowers with rates above 8%, exploring these stable low-rate loans could offer significant savings. No recent rate increases suggest a favorable borrowing environment for students and parents alike.
Apple
As of July 18, 2025, Apple Credit Union’s new student loan rates remain steady with no changes in fixed or variable APRs over the past 15 days. Fixed loans like the Medical School Loan, Dental School Loan, and MBA Loan offer competitive rates starting at 3.19% APR, while variable options begin at 4.37% APR. The Smart Option Student Loan® for Career Training students (variable) has the highest ceiling at 16.73% APR. For borrowers with current rates above 8%, exploring these fixed or variable loans could yield savings given their broad rate ranges and consistent pricing.
Bellco
As of July 18, 2025, Bellco’s new student loan rates remain steady with no changes over the past 7 days. Fixed-rate loans for Medical, Dental, MBA, Graduate Health Professions, Law, and Graduate School programs hold competitive APRs from 3.19% to 14.99%. The Smart Option Student Loan® for undergraduates and career training starts as low as 3.19% fixed, offering affordability for many borrowers. Variable rates are slightly higher but stable, starting at 4.37%. For those with existing loans above 8%, exploring Bellco’s fixed-rate options could provide significant savings and predictable payments.
California Coast
As of July 18, 2025, California Coast’s new student loan rates remain steady across all products with no changes over the past 30 days. Fixed APRs start as low as 3.19% for programs like Medical, Dental, MBA, Law, and Graduate Health Professions Loans, while Undergraduate fixed loans range from 3.19% to 16.99%. Variable rates begin at 4.37%, with career training loans reaching up to 17.18% fixed and 16.73% variable. For borrowers seeking stability, fixed-rate loans at 3.19% offer competitive affordability; those considering variable options should monitor market trends closely before borrowing or refinancing above 8% APR.
Citadel
As of July 18, 2025, Citadel’s new student loan rates offer competitive options across fixed and variable plans. Fixed rates start as low as 3.19% for Medical, Dental, MBA, Graduate, and Law school loans, with Undergraduate fixed loans ranging from 3.19% to 16.99%, and Career training fixed loans reaching up to 17.18%. Variable rates begin at 4.37%, with top-tier programs like medical and dental school loans capping below 14%. Notably, career training variable loans peak at 16.73%, suggesting careful comparison is essential. For borrowers with rates above 8%, exploring Citadel’s low starting APRs could mean significant savings over time.
LendMesh
Being a student is hard enough—your loan process shouldn’t be. LendMesh brings clarity, real comparisons, and lender insights all in one place. Take the pressure off and explore funding options at https://www.lendmesh.com/loans/student-loans today.
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Conclusion
Looking ahead, students and parents should consider locking in these favorable fixed rates soon, especially if they value predictable monthly payments over the life of their loans. Even small APR differences—like a tenth of a percent—can translate into substantial savings over time. Graduates entering professions such as medicine or law should review specialized programs offered by credit unions like Bellco and American Heritage that maintain competitive fixed and variable rates tailored to career paths. For those leaning toward variable rates, staying informed on market trends is key since slight shifts could impact future payments. Ultimately, it’s wise to compare your options carefully and act promptly to secure the best possible terms before any potential rate changes occur. Exploring pre-approval or speaking directly with your preferred credit union can help clarify eligibility and next steps—making this the perfect moment to take charge of financing your education with confidence.