Introduction
As of September 5, 2025, students and parents exploring student loan options through credit unions can find some of the most competitive rates available today. The lowest fixed rates start as low as 2.74% with Texas Extra Credit Education Loan and Texans Private Student Loan programs—ideal for undergraduate borrowers seeking stability in their repayment plans. For those considering graduate or professional studies, several credit unions like Achieva, Affinity 857, and Allsouth offer a variety of fixed loans starting at 2.89%, covering fields from medical to law school. Variable rate options begin around 4.37%, providing flexibility for borrowers comfortable with market fluctuations. Notably, medical and dental residency loans carry slightly higher rates but remain within reasonable ranges starting at 6.40% fixed. With these competitive APRs holding steady over the past month, now is a great time to evaluate your financing needs and lock in favorable terms from trusted credit union programs.
New - Student Loans
Credit Union
Product
2025-09-05
(Current Day)
(Current Day)
2025-08-29
(7 Days Ago)
(7 Days Ago)
2025-08-21
(15 Days Ago)
(15 Days Ago)
2025-08-06
(30 Days Ago)
(30 Days Ago)
2025-07-22
(45 Days Ago)
(45 Days Ago)
2025-07-07
(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
2.74 - 6.89
2.74 - 6.89
Texans
Texans Private Student Loan (fixed)
2.74 - 6.89
Safe 68366
Cosigned Loans (fixed)
2.89 - 15.61
Safe 68366
Non-Cosigned Loans (variable)
4.34 - 15.25
Achieva Credit Union
Medical School Fixed Rate Loan (fixed)
2.89 - 14.98
Achieva Credit Union
Dental School Fixed Rate Loan (fixed)
2.89 - 14.98
Achieva Credit Union
MBA Fixed Rate Loan (fixed)
2.89 - 14.99
Achieva Credit Union
Health Professions Fixed Rate Loan (fixed)
2.89 - 14.99
Achieva Credit Union
Law School Fixed Rate Loan (fixed)
2.89 - 14.99
Achieva Credit Union
Graduate School Fixed Rate Loan (fixed)
2.89 - 14.99
Achieva Credit Union
Undergraduate Fixed Rate Loan (fixed)
2.89 - 17.49
Achieva Credit Union
Career Training Fixed Rate Loan (fixed)
2.89 - 17.64
Achieva Credit Union
Medical School Variable Rate Loan (variable)
4.37 - 13.96
Achieva Credit Union
Dental School Variable Rate Loan (variable)
4.37 - 13.97
Achieva Credit Union
Law School Variable Rate Loan (variable)
4.37 - 13.97
Achieva Credit Union
MBA Variable Rate Loan (variable)
4.37 - 13.98
Achieva Credit Union
Health Professions Variable Rate Loan (variable)
4.37 - 13.98
Achieva Credit Union
Graduate School Variable Rate Loan (variable)
4.37 - 13.98
Achieva Credit Union
Undergraduate Variable Rate Loan (variable)
4.37 - 16.99
Achieva Credit Union
Career Training Variable Rate Loan (variable)
4.37 - 17.18
Achieva Credit Union
Medical Residency Fixed Rate Loan (fixed)
6.40 - 11.89
Achieva Credit Union
Dental Residency Fixed Rate Loan (fixed)
6.40 - 11.89
Achieva Credit Union
Medical Residency Variable Rate Loan (variable)
7.00 - 12.45
Achieva Credit Union
Dental Residency Variable Rate Loan (variable)
7.00 - 12.45
Achieva Credit Union
Bar Exam Fixed Rate Loan (fixed)
7.01 - 15.26
Achieva Credit Union
Bar Exam Variable Rate Loan (variable)
7.13 - 16.74
Affinity 857
Medical school loan (fixed)
2.89 - 14.98
Affinity 857
Dental school loan (fixed)
2.89 - 14.98
Affinity 857
MBA loan (fixed)
2.89 - 14.99
Affinity 857
Health professions loan (fixed)
2.89 - 14.99
Affinity 857
Law school loan (fixed)
2.89 - 14.99
Affinity 857
Graduate school loan (fixed)
2.89 - 14.99
Affinity 857
Undergraduate student loan (fixed)
2.89 - 17.49
Affinity 857
Career training loan (fixed)
2.89 - 17.64
Affinity 857
Medical school loan (variable)
4.37 - 13.96
Affinity 857
Dental school loan (variable)
4.37 - 13.97
Affinity 857
Law school loan (variable)
4.37 - 13.97
Affinity 857
MBA loan (variable)
4.37 - 13.98
Affinity 857
Health professions loan (variable)
4.37 - 13.98
Affinity 857
Graduate school loan (variable)
4.37 - 13.98
Affinity 857
Undergraduate student loan (variable)
4.37 - 16.99
Affinity 857
Career training loan (variable)
4.37 - 17.18
Allsouth
Medical school loan (fixed)
2.89 - 14.98
Allsouth
Dental school loan (fixed)
2.89 - 14.98
Allsouth
MBA loan (fixed)
2.89 - 14.99
Allsouth
Health professions loan (fixed)
2.89 - 14.99
Allsouth
Law school loan (fixed)
2.89 - 14.99
Allsouth
Graduate school loan (fixed)
2.89 - 14.99
Allsouth
Undergraduate student loan (fixed)
2.89 - 17.49
Allsouth
Career training loan (fixed)
2.89 - 17.64
Allsouth
Medical school loan (variable)
4.37 - 13.96
Allsouth
Dental school loan (variable)
4.37 - 13.97
Allsouth
Law school loan (variable)
4.37 - 13.97
Allsouth
MBA loan (variable)
4.37 - 13.98
Allsouth
Health professions loan (variable)
4.37 - 13.98
Allsouth
Graduate school loan (variable)
4.37 - 13.98
Allsouth
Undergraduate student loan (variable)
4.37 - 16.99
Allsouth
Career training loan (variable)
4.37 - 17.18
Allsouth
Medical residency loan (fixed)
6.40 - 11.89
Allsouth
Dental residency loan (fixed)
6.40 - 11.89
Allsouth
Medical residency loan (variable)
7.00 - 12.45
Allsouth
Dental residency loan (variable)
7.00 - 12.45
Allsouth
Bar exam loan (fixed)
7.01 - 15.26
Allsouth
Bar exam loan (variable)
7.13 - 16.74
American Heritage
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
American Heritage
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
American Heritage
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
American Heritage
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
American Heritage
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
American Heritage
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
American Heritage
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
American Heritage
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
American Heritage
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
American Heritage
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
American Heritage
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
American Heritage
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
American Heritage
Health professions loan (variable)
4.37 - 13.98
4.37 - 13.98
American Heritage
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
American Heritage
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
American Heritage
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
American Heritage
Medical residency loan (fixed)
6.40 - 11.89
6.40 - 11.89
American Heritage
Dental residency loan (fixed)
6.40 - 11.89
6.40 - 11.89
American Heritage
Medical residency loan (variable)
7.00 - 12.45
7.00 - 12.45
American Heritage
Dental residency loan (variable)
7.00 - 12.45
7.00 - 12.45
American Heritage
Bar exam loan (fixed)
7.01 - 15.26
7.01 - 15.26
American Heritage
Bar exam loan (variable)
7.13 - 16.74
7.13 - 16.74
Apple
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
Apple
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
Apple
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
Apple
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
Apple
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
Apple
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
Apple
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
Apple
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
Apple
Medical school loan (variable)
4.37 - 13.96
4.37 - 13.96
Apple
Dental school loan (variable)
4.37 - 13.97
4.37 - 13.97
Apple
Law school loan (variable)
4.37 - 13.97
4.37 - 13.97
Apple
MBA loan (variable)
4.37 - 13.98
4.37 - 13.98
Apple
Health professions loan (variable)
4.37 - 13.98
4.37 - 13.98
Apple
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
Apple
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
Apple
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
Atlanta Postal
Medical school loan (fixed)
2.89 - 14.98
Atlanta Postal
Dental school loan (fixed)
2.89 - 14.98
Atlanta Postal
MBA loan (fixed)
2.89 - 14.99
Atlanta Postal
Health professions loan (fixed)
2.89 - 14.99
Atlanta Postal
Law school loan (fixed)
2.89 - 14.99
Atlanta Postal
Graduate school loan (fixed)
2.89 - 14.99
Atlanta Postal
Undergraduate student loan (fixed)
2.89 - 17.49
Atlanta Postal
Career training loan (fixed)
2.89 - 17.64
Atlanta Postal
Medical school loan (variable)
4.37 - 13.96
Atlanta Postal
Dental school loan (variable)
4.37 - 13.97
Atlanta Postal
Law school loan (variable)
4.37 - 13.97
Atlanta Postal
MBA loan (variable)
4.37 - 13.98
Atlanta Postal
Health professions loan (variable)
4.37 - 13.98
Atlanta Postal
Graduate school loan (variable)
4.37 - 13.98
Atlanta Postal
Undergraduate student loan (variable)
4.37 - 16.99
Atlanta Postal
Career training loan (variable)
4.37 - 17.18
Bellco
Medical school loan (fixed)
2.89 - 14.98
Bellco
Dental school loan (fixed)
2.89 - 14.98
Bellco
MBA loan (fixed)
2.89 - 14.99
Bellco
Health professions loan (fixed)
2.89 - 14.99
Bellco
Law school loan (fixed)
2.89 - 14.99
Bellco
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
Bellco
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
Bellco
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.99 - 17.64▲ 10 bps
Bellco
Medical school loan (variable)
4.37 - 13.96
Bellco
Dental school loan (variable)
4.37 - 13.97
Bellco
Law school loan (variable)
4.37 - 13.97
Bellco
MBA loan (variable)
4.37 - 13.98
Bellco
Health professions loan (variable)
4.37 - 13.98
Bellco
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
Bellco
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
Bellco
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
Eecu
As of September 5, 2025, the Eecu Texas Extra Credit Education Loan (fixed) maintains a steady APR range of 2.74% - 6.89%, with no changes over the past 30 days. This consistency makes it one of the most reliable options for students seeking affordable, fixed-rate financing. Borrowers aiming for predictability and competitive rates should consider this loan, especially if your current rate exceeds 7%. Staying informed on stable rates like these can help families plan education expenses confidently without worrying about sudden rate hikes.
Texans
As of September 5, 2025, the Texans Private Student Loan (fixed) offers competitive rates ranging from 2.74% to 6.89% APR for new borrowers. Since this is a new product with no prior data, there are no recent rate changes to report. With fixed rates starting under 3%, Texans provides an affordable option for students and parents seeking predictable payments. If your current loan exceeds 7% APR, exploring Texans’ private student loans could lower your financing costs significantly. Keep an eye on future updates as more rate trends become available.
Safe 68366
As of September 5, 2025, Safe 68366’s new Cosigned Loans offer competitive fixed APRs ranging from 2.89% to 15.61%, while their Non-Cosigned Variable Loans range from 4.34% to 15.25%. With no previous data for comparison, these rates establish a strong baseline for affordable education financing. Cosigned Loans provide the lowest starting APR at 2.89%, ideal for borrowers seeking predictability. Those without a cosigner might consider variable options but should monitor potential rate changes closely. If your current loan rate exceeds 8%, exploring these new products could reduce your borrowing costs significantly.
Achieva Credit Union
As of September 5, 2025, Achieva Credit Union offers competitive new student loans with fixed rates starting as low as 2.89% for programs like Medical School, Dental School, and MBA Fixed Rate Loans. Variable rates begin at 4.37%, notably for undergraduate and graduate options. The highest fixed rates reach up to 17.64% in career training loans. Since these are new products, no rate changes have been recorded yet. Borrowers seeking affordability should prioritize fixed loans under 3% APR for stability, while those comfortable with variable rates might benefit if their current loans exceed 8%. These fresh offerings provide solid options for students and parents aiming to manage education costs effectively.
Affinity 857
As of September 5, 2025, Affinity 857’s new student loan rates remain steady with no historical data for comparison. Fixed-rate loans start as low as 2.89% APR, with Medical, Dental, MBA, Law, and Graduate school loans all ranging up to 14.99% APR. Variable rates begin at 4.37% APR, topping out near 17.18% for Career Training loans. The most competitive options are fixed-rate loans at 2.89% APR, ideal for borrowers seeking predictable payments. If your current rate exceeds 8%, exploring these new fixed or variable loans could reduce your borrowing costs significantly.
Allsouth
As of September 5, 2025, Allsouth’s new student loan rates remain steady with no prior data for comparison. Fixed APRs start as low as 2.89% for programs like Medical, Dental, MBA, Health Professions, Law, and Graduate School loans, offering highly competitive options. Variable rates begin at 4.37%, slightly higher but flexible. For Undergraduate and Career Training loans, fixed rates reach up to 17.64%, while variable caps are around 17.18%. Specialty loans such as Medical and Dental Residency feature fixed rates from 6.40% and variable from 7.00%. If your rate exceeds 8%, exploring these new low fixed-rate loans could save you money over time.
American Heritage
As of September 5, 2025, American Heritage maintains steady fixed rates from 2.89% to 14.99% for most professional and graduate loans, with undergraduate fixed rates holding at 2.89%–17.49%, slightly down from 2.99% thirty days ago. Variable rates remain stable, ranging from 4.37% to 17.18%, including career training loans at the higher end. Notably, medical and dental residency fixed loans start as low as 6.40%, offering competitive options for residents. Borrowers with rates above 8% should explore new fixed or variable loans here to potentially lower costs, especially given the consistent rate environment and attractive starting APRs on key programs.
Apple
As of September 05, 2025, Apple Credit Union’s new student loan rates remain steady across all products with no changes over the past 15 days. The most competitive fixed rates are for Medical, Dental, and MBA loans starting at 2.89% APR, while variable rates begin at 4.37% APR. Notably, Undergraduate and Career Training loans carry higher maximum APRs up to 17.64% (fixed) and 17.18% (variable). Borrowers should consider locking in fixed rates now to avoid potential increases and explore options if current loans exceed 8% APR for better affordability.
Atlanta Postal
As of September 5, 2025, Atlanta Postal’s new student loan rates remain steady with fixed APRs starting at 2.89% across all programs, including Medical, Dental, MBA, Law, Graduate, and Undergraduate loans. Notably, the Undergraduate fixed loan tops out at 17.49%, while Career training fixed loans reach 17.64% APR. Variable rates begin at 4.37%, with undergraduate and career training variable loans peaking near 17%. With no historical rate changes yet, borrowers should consider locking in these competitive low starting rates now—especially if current loans exceed 8% APR—to secure affordable education financing.
Bellco
As of September 5, 2025, Bellco’s new student loan rates remain steady with no recent changes. Fixed-rate loans for Medical, Dental, MBA, Health Professions, and Law School start as low as 2.89% APR, offering highly competitive options for professional students. Notably, Undergraduate fixed rates hold at 2.89% - 17.49%, unchanged over 30 days, while variable rates range from 4.37% to 17.18% across programs. For borrowers seeking predictability, fixed loans under 3% APR are attractive, especially in graduate and professional fields. Consider these low starting rates before exploring refinancing if your current loan exceeds 8%.
LendMesh
You’ve worked hard to get into college—now let’s find a loan that works hard for you. LendMesh connects you with competitive student loan options from credit unions and banks who care about your future. Compare offers now at https://www.lendmesh.com/loans/student_loans .
Conclusion
With interest rates remaining stable across most credit union student loan programs this week, students and parents should consider locking in rates soon—especially if you prefer the predictability of fixed APRs that start under 3%. Even small APR differences can save hundreds over the life of a loan, making early decisions impactful. If you’re pursuing graduate or professional degrees, be mindful that variable rates fluctuate more and may rise; locking a fixed rate could provide peace of mind during your studies. Parents assisting with college costs should explore fixed undergraduate loans with the lowest available APRs to secure manageable payments ahead of any potential market shifts. As you weigh options, consult with your credit union’s advisors to tailor loans to your financial goals and take advantage of these stable, competitive rates before any changes occur. Your next step? Start your application process today to capture these favorable terms while they last.