Introduction
As of August 22, 2025, students and parents exploring financing options have some promising student loan rates to consider from credit unions nationwide. For those seeking the lowest fixed APRs, programs like undergraduate and graduate loans are available starting as low as 2.89%, offered consistently across several credit unions including Achieva, Affinity, American Heritage, and more. Variable rate loans start just a bit higher around 4.34% to 4.37% but can offer flexibility depending on market changes. Notably, specialized loans such as medical, dental, MBA, law school, and health professions also maintain competitive ranges beginning at 2.89% fixed or 4.37% variable, making them excellent options for advanced degree seekers. While recent data shows stable rates with no significant weekly or monthly APR shifts, the variety in program types ensures there’s something tailored for every borrower’s needs—from undergraduates to career training students. Today’s landscape highlights the value of credit union loans as competitive alternatives worth serious consideration for families aiming to finance education affordably.
New - Student Loans
Credit Union
Product
2025-08-22
(Current Day)
(Current Day)
2025-08-15
(7 Days Ago)
(7 Days Ago)
2025-08-07
(15 Days Ago)
(15 Days Ago)
2025-07-23
(30 Days Ago)
(30 Days Ago)
2025-07-08
(45 Days Ago)
(45 Days Ago)
2025-06-23
(60 Days Ago)
(60 Days Ago)
2025-05-24
(90 Days Ago)
(90 Days Ago)
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.99 - 17.64▲ 10 bps
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
3.19 - 16.99▲ 30 bps
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.49
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
3.19 - 16.99▲ 30 bps
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.49
ASCENT FUNDING CREDIT UNION
As of August 22, 2025, Ascent Funding Credit Union offers a range of new student loan products with competitive rates. The most attractive options include Fixed APR loans starting as low as 2.89% and Variable APR loans from 4.34%, ideal for borrowers seeking affordability. Since these are new products, no historical rate changes are available yet. Borrowers with current rates above 8% should consider these lower-rate options to reduce interest costs. Whether you need fixed or variable terms, Ascent’s offerings provide flexible solutions tailored for students and parents aiming to finance education smartly.
ACHIEVA CREDIT UNION
As of August 22, 2025, Achieva Credit Union’s new student loan rates remain steady with no recent changes reported. Fixed-rate loans for Medical, Dental, MBA, Health Professions, Law, and Graduate School start as low as 2.89% APR, offering highly competitive options for borrowers seeking predictable payments. Variable-rate loans begin at 4.37% APR, with undergraduate and career training variable loans reaching up to 17.18% APR. For students or parents exploring financing, locking in a fixed rate near 2.89% can provide long-term stability, especially if current rates exceed 8%. These fresh offerings deliver transparent, affordable choices tailored to diverse education paths.
AFFINITY FEDERAL CREDIT UNION
This week at Affinity, undergraduate fixed rates remain steady between 2.89% and 17.49%, showing no change over 7 days but a slight 10 bps drop from 15 days ago. Variable loans for undergraduates hold firm at 4.37% to 16.99%, unchanged in recent weeks. Notably, career training fixed rates start as low as 2.89%, offering competitive options for specialized programs. For students eyeing graduate or professional degrees, both fixed and variable loans begin at a low 2.89% to 4.37% APR. Borrowers with rates above 8% should compare these new offerings to secure better terms today.
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of August 22, 2025, American Heritage’s new student loan rates show stability with Undergraduate fixed rates holding steady at 2.89% - 17.49%, a slight improvement from 3.19% thirty days ago. Variable undergraduate loans remain competitive at 4.37% - 16.99%, unchanged over the past week. For specialized programs, Medical and Dental school fixed loans start as low as 2.89%, offering affordable options for health students. Career training loans feature attractive fixed rates beginning at 2.89%. Borrowers with rates above 8% should explore these new offers for potential savings and better terms.
APPLE FEDERAL CREDIT UNION
As of August 22, 2025, Apple Credit Union offers competitive new student loans with fixed rates starting as low as 2.89% APR across all programs, including Medical, Dental, MBA, Health Professions, Law, Graduate, Undergraduate, and Career Training loans. Variable rates begin at 4.37% APR, with undergraduate and career training variable loans reaching up to 17.18% APR. Since these are newly listed products, no rate changes have occurred yet. Borrowers seeking affordable options should consider fixed-rate loans at Apple for predictability and low starting APRs—especially if current loans exceed 8%. These offerings provide strong value for students and parents financing education today.
BELLCO CREDIT UNION
As of August 22, 2025, Bellco’s new fixed-rate student loans start as low as 2.89% APR, with undergraduate fixed rates steady at 2.89% - 17.49%, unchanged over 7 days but slightly improved from 15 days ago. Career training fixed loans also hold firm at 2.89% - 17.64%. Variable rates remain stable, with medical and dental variable loans ranging from 4.37% to about 13.98% APR. For borrowers seeking the most competitive options, the fixed medical, dental, MBA, and law school loans offer attractive low starting rates of 2.89% APR. Consider locking in a fixed rate if your current loan exceeds 8% APR to secure predictable payments and potential savings.
BLUE FEDERAL CREDIT UNION
As of August 22, 2025, Blue's new student loan rates show fixed APRs starting at 2.89% across all programs, with Undergraduate Fixed Rates ranging up to 17.49% and Career Training Fixed Rates peaking at 17.64%. Variable rates begin at 4.37%, with Undergraduate Variable Loans reaching as high as 16.99% and Career Training Variable topping at 17.18%. Since these are newly listed products, no prior rate changes are available yet. For borrowers seeking stability, fixed-rate loans from Blue offer competitive low starting APRs, while those comfortable with some variability might consider variable options. Evaluate your current rate—refinancing could save money if above 8%.
CALIFORNIA COAST CREDIT UNION
As of August 22, 2025, California Coast’s new student loan rates offer competitive options across programs. Fixed rates for Medical, Dental, MBA, Health Professions, Law, and Graduate School loans start as low as 2.89% APR, ideal for borrowers seeking stability. Undergraduate and Career Training loans have slightly higher fixed caps at 17.49% and 17.64% APR, respectively. Variable rates begin around 4.37% APR, with undergraduate variable loans reaching up to 17.18% APR. For residency and bar exam loans, fixed rates range from 6.40% to 15.26% APR, while variable rates top out near 16.74% APR. Borrowers should compare fixed vs. variable options carefully to match their risk tolerance and financial goals.
CENTRA CREDIT UNION
This week at Centra, Undergraduate fixed rates edged down slightly from 3.19% to 2.89% over 30 days, now ranging 2.89% - 17.49%, while variable undergrad loans held steady at 4.37% - 16.99%. New fixed loans for Medical, Dental, MBA, Law, Graduate, and Health professions all start competitively at 2.89% APR, with variable options beginning at 4.37% APR. For borrowers seeking the lowest entry rates, these fixed programs offer strong value. If your current student loan rate exceeds 8%, exploring Centra’s new fixed loans could reduce your interest costs significantly.
CITADEL FEDERAL CREDIT UNION
As of August 22, 2025, Citadel’s new student loan rates remain steady with no previous data for comparison. Fixed APRs start at 2.89% across all programs, including Medical, Dental, MBA, Law, Graduate, and Undergraduate loans, offering some of the most competitive entry rates available. Variable rates begin at 4.37%, with upper limits slightly lower than fixed options in some cases. Undergraduate and career training loans have the highest max fixed APRs (up to 17.64%). For borrowers seeking stability, fixed rates under 3% are attractive; those comfortable with variable risk might explore variable loans starting at 4.37%. Review your current rates carefully before committing to new financing options.
LendMesh
Whether you’re entering your first semester or finishing your last, LendMesh helps you secure the student loan that matches your moment. From tuition to textbooks, we’ve got the tools to help you borrow better. Explore your options now at https://www.lendmesh.com/loans/student_loans .
Conclusion
Looking ahead, students and parents should consider locking in rates soon if they find a fixed APR that fits their budget—especially those near the attractive 2.89% starting point—to avoid potential future increases amid economic shifts. Even small APR differences can add up over time, so choosing between fixed and variable rates depends on your risk tolerance and repayment timeline. Graduate students and professional degree candidates may benefit from reviewing specialized loans tailored to their fields since these often carry competitive pricing with unique terms. Meanwhile, undergraduates and career training borrowers should keep an eye on any upcoming updates but can feel reassured by the current stability in credit union offerings. To make the most informed decision, it’s wise to connect directly with your preferred credit union soon and explore pre-approval options or personalized rate quotes—securing your best financing option today could pay dividends throughout your academic journey.