Introduction
As of August 1, 2025, students and parents exploring student loan options have some standout choices to consider. For those seeking the lowest fixed rates, Eecu’s Texas Extra Credit Education Loan offers an attractive range starting as low as 2.74% APR, providing stability and predictability for borrowers. Meanwhile, Cyprus, Franklin Mint, and Sandia Laboratory credit unions also offer competitive fixed rates at just under 3%, ideal for those prioritizing steady payments. On the variable side, rates start around 4.34% to 5.00% APR with programs from Ascent Funding Credit Union and Elfi, giving flexible options depending on your risk tolerance. Parents looking for cosigned or credit-based loans can find a broad spectrum at Ascent Funding Credit Union, with fixed rates beginning near 3% but variable rates potentially reaching above 14%. Notably, many credit unions like Achieva, Affinity, and American Heritage are maintaining steady ranges for professional school loans — both fixed and variable — offering consistent opportunities across medical, dental, law, MBA, and graduate programs. With today’s data showing largely stable APRs compared to recent weeks, now is a great time to weigh your options carefully and consider locking in these competitive student loan rates.
New - Student Loans
Credit Union
Product
2025-08-01
(Current Day)
(Current Day)
2025-07-25
(7 Days Ago)
(7 Days Ago)
2025-07-17
(15 Days Ago)
(15 Days Ago)
2025-07-02
(30 Days Ago)
(30 Days Ago)
2025-06-17
(45 Days Ago)
(45 Days Ago)
2025-06-02
(60 Days Ago)
(60 Days Ago)
Eecu
Texas Extra Credit Education Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
Ascent Funding Credit Union
Cosigned Credit-Based Loan (fixed)
2.98 - 14.41
3.09 - 14.41▲ 11 bps
Ascent Funding Credit Union
Cosigned Credit-Based Loan (variable)
4.34 - 14.75
4.31 - 14.72▼ 3 bps
Ascent Funding Credit Union
Parent Credit-Based Loan (fixed)
5.10 - 15.61
5.10 - 15.61
Ascent Funding Credit Union
Parent Credit-Based Loan (variable)
5.54 - 15.25
5.51 - 15.22▼ 3 bps
Ascent Funding Credit Union
Non-Cosigned Credit-Based Loan (variable)
8.24 - 13.60
8.21 - 13.57▼ 3 bps
Ascent Funding Credit Union
Non-Cosigned Credit-Based Loan (fixed)
8.29 - 13.76
8.29 - 13.76
Ascent Funding Credit Union
Non-Cosigned Outcomes-Based Loan (variable)
12.89 - 14.84
12.87 - 14.81▼ 2 bps
Ascent Funding Credit Union
Non-Cosigned Outcomes-Based Loan (fixed)
12.98 - 14.93
12.98 - 14.93
Cyprus
Fixed Rate (fixed)
2.99
2.99
Cyprus
Variable Rate (variable)
4.36
4.36
Elfi
private (fixed)
2.99
2.99
3.69▲ 70 bps
3.69▲ 70 bps
3.69▲ 70 bps
Elfi
Undergraduate Student Loans (fixed)
3.69
3.69
3.69
3.69
3.69
Elfi
private (variable)
5.00
5.00
5.00
5.00
5.00
Elfi
Undergraduate Student Loans (variable)
5.00
5.00
5.00
5.00
5.00
Franklin Mint
Fixed Rate (fixed)
2.99
2.99
Franklin Mint
Variable Rate (variable)
4.36
4.36
Sandia Laboratory
Private Student Loans (fixed)
2.99
2.99
Sandia Laboratory
Private Student Loans (variable)
4.36
4.36
Achieva Credit Union
Medical school loan (fixed)
2.99 - 14.98
3.19 - 14.98▲ 20 bps
Achieva Credit Union
Dental school loan (fixed)
2.99 - 14.98
3.19 - 14.98▲ 20 bps
Achieva Credit Union
MBA loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Achieva Credit Union
Health professions loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Achieva Credit Union
Law school loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Achieva Credit Union
Graduate school loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Achieva Credit Union
Undergraduate student loan (fixed)
2.99 - 17.49
3.19 - 16.99▲ 20 bps
Achieva Credit Union
Career training loan (fixed)
2.99 - 17.64
3.19 - 17.18▲ 20 bps
Achieva Credit Union
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
Achieva Credit Union
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
Achieva Credit Union
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
Achieva Credit Union
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
Achieva Credit Union
Health professions loan (variable)
4.37 - 13.98
4.37 - 13.98
Achieva Credit Union
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
Achieva Credit Union
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.49
Achieva Credit Union
Career training loan (variable)
4.37 - 17.18
4.37 - 16.73
Affinity
Medical school loan (fixed)
2.99 - 14.98
3.19 - 14.98▲ 20 bps
Affinity
Dental school loan (fixed)
2.99 - 14.98
3.19 - 14.98▲ 20 bps
Affinity
MBA loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Affinity
Health professions loan (fixed)
2.99 - 14.99
Affinity
Law school loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Affinity
Graduate school loan (fixed)
2.99 - 14.99
3.19 - 14.99▲ 20 bps
Affinity
Undergraduate student loan (fixed)
2.99 - 17.49
Affinity
Career training loan (fixed)
2.99 - 17.64
Affinity
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
Affinity
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
Affinity
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
Affinity
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
Affinity
Health professions loan (variable)
4.37 - 13.98
Affinity
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
Affinity
Undergraduate student loan (variable)
4.37 - 16.99
Affinity
Career training loan (variable)
4.37 - 17.18
American Heritage
Medical school loan (fixed)
2.99 - 14.98
American Heritage
Dental school loan (fixed)
2.99 - 14.98
American Heritage
MBA loan (fixed)
2.99 - 14.99
American Heritage
Health professions loan (fixed)
2.99 - 14.99
American Heritage
Law school loan (fixed)
2.99 - 14.99
American Heritage
Graduate school loan (fixed)
2.99 - 14.99
American Heritage
Undergraduate student loan (fixed)
2.99 - 17.49
American Heritage
Career training loan (fixed)
2.99 - 17.64
American Heritage
Medical school loan (variable)
4.37 - 13.96
American Heritage
Dental school loan (variable)
4.37 - 13.97
American Heritage
Law school loan (variable)
4.37 - 13.97
American Heritage
MBA loan (variable)
4.37 - 13.98
American Heritage
Health professions loan (variable)
4.37 - 13.98
American Heritage
Graduate school loan (variable)
4.37 - 13.98
American Heritage
Undergraduate student loan (variable)
4.37 - 16.99
American Heritage
Career training loan (variable)
4.37 - 17.18
Apple
Medical school loan (fixed)
2.99 - 14.98
Apple
Dental school loan (fixed)
2.99 - 14.98
Apple
MBA loan (fixed)
2.99 - 14.99
Apple
Health professions loan (fixed)
2.99 - 14.99
Apple
Law school loan (fixed)
2.99 - 14.99
Apple
Graduate school loan (fixed)
2.99 - 14.99
Apple
Undergraduate student loan (fixed)
2.99 - 17.49
Apple
Career training loan (fixed)
2.99 - 17.64
Apple
Medical school loan (variable)
4.37 - 13.96
Apple
Dental school loan (variable)
4.37 - 13.97
Apple
Law school loan (variable)
4.37 - 13.97
Apple
MBA loan (variable)
4.37 - 13.98
Apple
Health professions loan (variable)
4.37 - 13.98
Apple
Graduate school loan (variable)
4.37 - 13.98
Apple
Undergraduate student loan (variable)
4.37 - 16.99
Apple
Career training loan (variable)
4.37 - 17.18
Eecu
As of August 1, 2025, the Eecu Texas Extra Credit Education Loan (fixed) remains steady with an APR range of 2.74% - 6.89%, unchanged over the past 30 days. This consistent rate offers a competitive option for students and parents seeking predictable payments. With no rate increases recently, locking in a fixed rate now could provide long-term savings compared to variable or higher-rate loans. Borrowers with current loans above 7% APR might consider this product to lower their financing costs while securing affordable education funding.
Ascent Funding Credit Union
As of August 1, 2025, Ascent Funding Credit Union's Cosigned Credit-Based Loan (fixed) rates slightly improved, dropping from 3.09% to 2.98% over 30 days, making it the most competitive option for borrowers seeking low fixed rates. Variable cosigned loans remain steady around 4.34%, while Parent Credit-Based Loans hold firm with fixed rates at 5.10%. Non-cosigned loans show minimal changes, with fixed rates steady at 8.29%-13.76%. For borrowers with rates above 8%, exploring these new products could offer better terms and savings. Consider cosigned fixed loans for the lowest APRs and stability.
Cyprus
As of August 1, 2025, Cyprus Credit Union’s new student loan rates remain steady with the Fixed Rate at 2.99% APR and the Variable Rate at 4.36% APR, unchanged over the past 7 days. The Fixed Rate loan offers the most competitive option for borrowers seeking predictable payments. For those comfortable with rate fluctuations, the variable option provides flexibility without recent increases. Students and parents should consider these low fixed rates to secure affordable financing, especially if current loans exceed 5%. Staying informed on these stable rates can help plan education costs effectively.
Elfi
As of August 1, 2025, Elfi’s private fixed student loan rates remain highly competitive at 2.99% APR, steady over the past week but down from 3.69% a month ago—a notable 70 bps decrease. Undergraduate fixed loans hold firm at 3.69% APR, consistent for 30 days, while both private and undergraduate variable rates stay stable at 5.00% APR. For borrowers seeking predictability, the private fixed loan at 2.99% offers excellent savings compared to variable options. If your current rate exceeds 8%, exploring Elfi’s low fixed rates could significantly reduce your repayment costs.
Franklin Mint
As of August 1, 2025, Franklin Mint’s new student loan rates remain steady with the Fixed Rate at 2.99% and the Variable Rate at 4.36%, unchanged over the past week. The fixed rate is notably competitive for borrowers seeking predictable payments, while the variable option may suit those expecting to pay off loans quickly or anticipating rate drops. With no recent rate increases, now is a strong time to consider new loans or cosigned options if your current rates exceed these benchmarks. Staying informed helps secure affordable education financing tailored to your needs.
Sandia Laboratory
As of August 1, 2025, Sandia Laboratory’s new Private Student Loans maintain stable rates with fixed loans at 2.99% APR and variable loans at 4.36% APR, unchanged over the past week. These remain some of the most competitive options available for students and parents seeking affordable education financing. Fixed rates offer predictable payments, ideal for budgeting, while variable rates may benefit those expecting to pay off loans quickly. If your current loan rate exceeds 8%, exploring these low-rate options could significantly reduce your borrowing costs. Staying informed helps secure the best terms for your educational journey.
Achieva Credit Union
As of August 1, 2025, Achieva Credit Union’s fixed student loan rates have decreased from 3.19% to 2.99%, offering competitive options for Medical, Dental, MBA, Health Professions, Law, and Graduate school loans. The Undergraduate fixed rate now ranges from 2.99% to 17.49%, slightly higher at the top end compared to 15 days ago. Variable rates remain steady with low starting APRs at 4.37% across programs. Borrowers with rates above 8% should explore these new lower fixed rates, especially for graduate and professional studies, to secure more affordable education financing today.
Affinity
As of August 1, 2025, Affinity’s fixed student loan rates for medical, dental, MBA, law, and graduate programs have improved, dropping from 3.19% to as low as 2.99% APR, reflecting a positive trend for borrowers seeking stable payments. Meanwhile, undergraduate and career training fixed loans remain steady at 2.99% - 17.64% APR. Variable rates hold firm with competitive lows around 4.37% APR across all programs. For students or parents aiming to lock in affordability, consider fixed-rate loans below 3% APR for predictability or variable options if comfortable with potential fluctuations under 5%.
American Heritage
As of August 1, 2025, American Heritage introduces competitive new student loan rates with fixed APRs starting as low as 2.99% for programs including Medical, Dental, MBA, Health Professions, Law, Graduate, and Undergraduate loans. Variable rates begin at 4.37%, with the Undergraduate fixed loan topping at 17.49% and the Career Training variable rate reaching 17.18%. Since these are new offerings, no prior rate trends exist yet. For borrowers seeking affordability and predictability, fixed-rate loans at 2.99% offer excellent value. Those with current rates above 8% might consider these fresh options to reduce financing costs effectively.
Apple
As of August 1, 2025, Apple Credit Union offers competitive new student loan rates across multiple programs. Fixed rates start as low as 2.99% APR for all professional and graduate loans, with undergraduate fixed loans ranging from 2.99% to 17.49% APR. Variable rates begin at 4.37% APR, with undergrad variable loans reaching up to 17.18% APR on career training. Since these are new products, no rate changes have occurred yet. Borrowers seeking affordability should consider Apple’s fixed-rate medical, dental, and MBA loans at just under 3% APR, offering some of the lowest starting rates available today.
LendMesh
Heading to college should be exciting—not overwhelming. At LendMesh, we help take the stress out of paying for school by comparing student loan options from credit unions and trusted banks. Whether it’s for tuition, housing, or books, visit https://www.lendmesh.com/loans/student_loans and explore the smarter way to fund your future.
Conclusion
Looking ahead, students and parents should consider locking in rates soon—especially if you prefer fixed-rate loans that shield you from future market fluctuations. Even small APR changes can save hundreds over the life of a loan, so staying informed about weekly updates is key to smart borrowing decisions. For those weighing variable loans, keep an eye on economic trends since these rates can shift unexpectedly. Graduate and professional school borrowers might benefit from the broad offerings at Achieva and Affinity credit unions where both fixed and variable options remain steady this month. Parents cosigning loans should also watch for slight rate shifts at Ascent Funding Credit Union to secure the best terms available. Start by comparing your eligibility with these top credit union programs today—and don’t hesitate to reach out directly for personalized guidance tailored to your financial goals. With careful planning now, you’ll be better positioned to manage your education financing confidently throughout your academic journey and beyond.