Introduction
As of August 18, 2025, students and parents exploring financing options have some strong choices from credit unions offering competitive student loan rates. For those pursuing undergraduate studies, fixed-rate loans as low as 2.89% APR are available across several credit unions like American Heritage, Centra, and Citadel. Graduate and professional school borrowers can also benefit from these attractive fixed rates starting at 2.89% for programs including MBA, law, medical, and dental school loans. Variable-rate loans provide alternatives too, with rates beginning around 4.37% APR for undergraduates and graduate students alike. Notably, specialized loans for medical and dental residencies, as well as bar exam preparation, offer fixed rates starting near 6.40%, catering to those in advanced stages of their education or career training. While there are no significant weekly or monthly APR shifts to report today, the steady availability of low fixed rates gives borrowers a dependable path forward. Whether you’re a student embarking on your first degree or a parent assisting with graduate school expenses, these credit union loan options provide competitive, flexible solutions that make managing education costs more manageable.
New - Student Loans
Credit Union
Product
2025-08-18
(Current Day)
(Current Day)
2025-08-11
(7 Days Ago)
(7 Days Ago)
2025-08-03
(15 Days Ago)
(15 Days Ago)
2025-07-19
(30 Days Ago)
(30 Days Ago)
2025-07-04
(45 Days Ago)
(45 Days Ago)
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
Private Student Loans (variable)
4.37
4.37
4.36▼ 1 bps
4.36▼ 1 bps
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of August 18, 2025, American Heritage’s new student loan rates remain stable with no rate changes over the past 7 to 15 days. Undergraduate fixed loans hold the widest APR range at 2.89% - 17.49%, unchanged over two weeks, while career training fixed loans start as low as 2.89% APR—a top option for affordability. Variable rates also show steady pricing, with undergraduate variable loans ranging from 4.37% to 16.99% APR. Borrowers seeking competitive fixed rates should consider medical or dental school loans at a low 2.89% starting APR. For those with rates above 8%, exploring these options could reduce long-term costs.
CENTRA CREDIT UNION
As of August 18, 2025, Centra’s new student loan rates remain steady with Undergraduate fixed loans holding at 2.89% - 17.49%, unchanged over the past 7 and 15 days but down slightly from 2.99% fifteen days ago. Medical, Dental, MBA, Health professions, Law, and Graduate school fixed loans start as low as 2.89% APR, offering some of the most competitive options for specialized programs. Variable rates mirror fixed trends but start higher—undergrad variable loans at 4.37% - 16.99% are stable this month. Borrowers with rates above 8% should consider Centra’s competitive fixed options to potentially lower costs.
CITADEL FEDERAL CREDIT UNION
As of August 18, 2025, Citadel’s new student loan rates launch competitively with fixed APRs starting at 2.89% across all programs—including Medical, Dental, MBA, Law, Graduate, and Health professions loans. Variable rates begin at 4.37%, with the lowest fixed rate for Undergraduate loans at 2.89%, rising up to 17.49%. Notably, career training loans carry the highest max APRs (17.64% fixed; 17.18% variable). Since these are new offerings, no prior rate trends exist yet. Borrowers should consider locking in low fixed rates now to secure predictable payments and avoid potential future rate hikes.
ENT CREDIT UNION
Ent’s new student loan rates debut today with fixed APRs starting at 2.89% for Medical, Dental, MBA, Health Professions, Law, and Graduate school loans. Undergraduate and Career Training fixed loans have slightly higher maximum rates, up to 17.49% and 17.64%, respectively. Variable rates begin at 4.37%, with top-tier loans maxing near 13.98%, except Undergraduate and Career Training reaching up to 16.99%-17.18%. Residency and Bar exam loans show higher fixed rates from 6.40% to 15.26% and variable from 7.00% to 16.74%. With no prior data for comparison, these competitive low starting rates offer strong options—borrowers should review fixed vs variable based on their risk tolerance and credit profile.
SCOTT CREDIT UNION
Scott Credit Union’s new student loan rates are steady today, with fixed APRs starting at 2.89% across all programs, including Medical, Dental, MBA, Law, Graduate, and Undergraduate loans. Variable rates begin at 4.37%, offering competitive options especially for career training loans with a top variable APR of 17.18%. Since no prior data is available, rate trends can’t be assessed yet. For borrowers seeking affordable financing, locking in a fixed rate as low as 2.89% may provide stability amid market changes. Parents and students should compare these low starting rates carefully when planning education costs.
SRP FEDERAL CREDIT UNION
As of August 18, 2025, Srp’s new student loan rates show a wide range across fixed and variable options. Fixed rates start as low as 2.89% for all programs, including medical, dental, MBA, law, graduate, undergraduate, and career training loans. Variable rates begin at 4.37%, with the undergraduate and career training loans topping out near 17% APR. Since these are new products, no historical rate trends exist yet. Borrowers seeking predictability should consider fixed loans starting at 2.89%, while those comfortable with rate fluctuations might explore variable loans for potential savings. Compare your current rates to these competitive offers to evaluate refinancing opportunities.
TENNESSEE VALLEY FEDERAL CREDIT UNION
As of August 18, 2025, Tennessee Valley offers competitive new student loan rates with fixed APRs starting at 2.89% across all programs, including Medical, Dental, MBA, and Law school loans. Variable rates begin slightly higher at 4.37%. The Undergraduate and Career Training loans have the widest ranges, reaching up to 17.49% (fixed) and 17.64% (fixed) respectively, reflecting credit variability. Since these are newly released rates, no recent trends are available yet. Borrowers should consider locking in fixed rates below 3% for stability or variable rates if they anticipate falling interest environments.
WASHINGTON STATE EMPLOYEES CREDIT UNION
As of August 18, 2025, Washington State Employees credit union offers a range of new fixed and variable student loans with rates starting as low as 2.89% APR for programs including Medical, Dental, MBA, Health Professions, Law, Graduate, and Undergraduate Fixed Rate Loans. Variable rate loans begin at 4.37% APR across most programs. Notably, Undergraduate Fixed Rates reach up to 17.49%, while Career Training loans peak at 17.64% fixed and 17.18% variable. With no prior data for comparison, borrowers should focus on locking in these competitive fixed rates if current loans exceed 8% APR to secure affordable financing options.
WHATCOM EDUCATIONAL CREDIT UNION
As of August 18, 2025, Whatcom Educational offers competitive new student loans with fixed rates starting as low as 2.89% for programs including Medical, Dental, MBA, Health Professions, Law, Graduate, and Undergraduate loans. Variable rates begin at 4.37%, with the lowest fixed rates found in Medical and Dental school loans. Specialty loans like Medical and Dental Residency start at higher fixed rates around 6.40%. Since these are new products, no rate changes are reported yet. Borrowers should consider locking in fixed rates under 3% for long-term savings and review variable options if comfortable with market fluctuations.
SANDIA LABORATORY FEDERAL CREDIT UNION
As of August 18, 2025, Sandia Laboratory's Private Student Loans (fixed) remain steady at a highly competitive 2.99% APR, unchanged over the past 30 days. The variable rate loan holds at 4.37% APR, showing a slight uptick of 1 basis point compared to 15 and 30 days ago. For borrowers seeking predictability, the fixed option offers stability with no recent rate increases. Those comfortable with potential fluctuations might consider the variable loan but should monitor market shifts closely. Fixed rates under 3% are excellent for long-term budgeting, making them an attractive choice for new student loan financing today.
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Conclusion
Looking ahead, borrowers should consider locking in fixed rates if they prefer predictability over potential market fluctuations—especially with undergraduate fixed loans holding steady at an appealing 2.89%. Even small changes in APR can impact overall repayment amounts significantly over time, so acting sooner rather than later could save money in the long run. Variable-rate loans remain viable for those comfortable with some rate variability but seeking slightly lower initial interest costs. Parents helping fund higher education should carefully evaluate programs tailored to graduate and professional degrees that offer both fixed and variable options at competitive levels. If you’re nearing residency or bar exam preparation stages, now is a good time to explore dedicated loans with favorable terms starting around 6.40%. Be proactive by comparing your eligibility across multiple credit unions featured here, as many offer similar low-rate programs but may differ on fees or borrower benefits. Staying informed about current rates and locking the best fit for your financial situation will keep your education financing on solid ground as you move forward this academic year.