Introduction
As of September 10, 2025, students and parents exploring student loan refinancing have some attractive options to consider. For those seeking the lowest fixed rates, Navigant Credit Union offers a competitive range starting at just 3.99% APR, making it one of the most affordable choices for refinancing your student loans today. If you prefer a fixed-rate program with a slightly broader range, St Marys Bank’s fixed student loan refinance starts at 4.15%, providing solid stability for borrowers. Parents looking to refinance can check out Navy Federal Credit Union’s Parent Refinance Fixed Rate Loan at 4.85% APR, which remains a strong contender. Variable rate options are also available near 4.56% from credit unions like Commonwealth 24970 and Franklin Mint, giving flexibility to borrowers comfortable with fluctuating rates. While some credit unions like State Employees CU of Maryland have maintained steady rates around 7.08% to 9.50%, the standout deals this week clearly favor those locking in lower fixed rates under 5%. Whether you’re a recent graduate or helping your child manage college costs, today’s data highlights excellent opportunities to reduce your interest burden with trusted credit unions.
Refinance - Student Loans
Credit Union
Product
2025-09-10
(Current Day)
(Current Day)
2025-09-03
(7 Days Ago)
(7 Days Ago)
2025-08-26
(15 Days Ago)
(15 Days Ago)
2025-08-11
(30 Days Ago)
(30 Days Ago)
2025-07-27
(45 Days Ago)
(45 Days Ago)
2025-07-12
(60 Days Ago)
(60 Days Ago)
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
Y-12 Federal Credit Union Refinance Loan (variable) [Refinance]
5.85 - 11.72
5.85 - 11.72
Y-12 Federal Credit Union Refinance Loan (fixed) [Refinance]
6.34 - 11.72
6.34 - 11.72
Fixed Rate Refinance (fixed) [Refinance]
5.89
5.89 - 5.64▼ 25 bps
5.89 - 5.64▼ 25 bps
5.89 - 5.64▼ 25 bps
5.89
7.90▲ 201 bps
Variable Rate Refinance (variable) [Refinance]
6.00
6.00 - 5.75▼ 25 bps
6.00 - 5.75▼ 25 bps
6.00 - 5.75▼ 25 bps
6.00
7.00▲ 100 bps
NAVIGANT CREDIT UNION
As of September 10, 2025, Navigant’s Student Loan Refinancing (fixed) rates range from 3.99% to 8.99% APR, offering competitive options for borrowers seeking to lower their payments or simplify debt. While no prior data is available for direct rate movement comparison, these fixed rates provide a stable refinancing solution. Borrowers with current loans above 8% APR should strongly consider refinancing to potentially reduce interest costs and improve repayment terms. Navigant’s transparent, credit-based refinance product remains a practical choice for students and parents aiming for affordable education financing.
ST. MARY'S BANK CREDIT UNION
As of September 10, 2025, St Marys Bank offers a competitive Fixed Student Loan Refinance rate ranging from 4.15% to 9.31% APR. While no prior data is available for comparison, this wide range gives borrowers flexibility based on credit and loan terms. Borrowers with current rates above 8% should consider refinancing now to potentially lower payments and save on interest. St Marys Bank’s fixed refinance option stands out for its transparent pricing and stability, making it a solid choice for students and parents seeking affordable education financing.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of September 10, 2025, State Employees CU Of Maryland Inc’s Student Loan Refinance (fixed) rates remain steady at 7.08% to 9.50% APR, with no changes over the past 30 days. These competitive fixed rates offer borrowers a reliable option to lock in consistent payments. If your current student loan rate exceeds 8%, refinancing here could reduce your interest costs and simplify repayment. With stable rates and strong terms, this refinance product remains a smart choice for students and parents seeking affordable education financing.
COMMONWEALTH FEDERAL CREDIT UNION
As of September 10, 2025, Commonwealth 24970’s refinance student loan rates remain steady, with the Fixed Rate Refinance at 4.54% APR, unchanged from a week ago. The Variable Rate Refinance saw a slight increase to 4.56% APR, up 2 bps over seven days. Both options offer competitive rates well below typical market averages. Borrowers with existing loans above 8% APR should consider refinancing now to secure these lower fixed or variable rates, potentially saving significantly on interest costs over time.
FRANKLIN MINT FEDERAL CREDIT UNION
As of September 10, 2025, Franklin Mint’s Refinance Student Loans offer competitive rates with fixed APR at 4.54% and variable APR at 4.56%, both newly listed without prior trends. These rates stand out as affordable options for borrowers looking to lower their payments. If your current student loan rate exceeds 8%, refinancing with Franklin Mint’s fixed or variable products could significantly reduce your interest costs. Staying informed about these stable, low APRs can help you make smarter financial decisions toward education financing.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of September 10, 2025, University First’s refinance student loan rates remain steady with the Fixed Rate at 4.54% and the Variable Rate slightly up to 4.56% from 4.54% a week ago. Both products show no change over 30 days, indicating stable borrowing costs. The fixed refinance option offers a consistently competitive APR, ideal for borrowers seeking predictable payments. If your current student loan rate exceeds 8%, refinancing now with University First could significantly reduce your interest burden while locking in low, stable rates.
NAVY FEDERAL CREDIT UNION
As of September 10, 2025, Navy Federal Credit Union’s Parent Refinance Fixed Rate Loan is offered at a competitive 4.85% APR, and the Parent Refinance Variable Rate Loan stands at 5.22% APR—both newly available with no prior rate history for comparison. These rates present strong options for parents looking to lower their education financing costs. If your current parent loan rate exceeds 6%, refinancing with Navy Federal could reduce your payments and overall interest. Keep an eye on these refinance products as they provide affordable solutions tailored to family needs.
METRO FEDERAL CREDIT UNION
As of September 10, 2025, Metro CU’s Student Loan Refinance (fixed) and Parent Loan Refinance (fixed) rates remain steady at 4.99% - 8.99%, showing no change over the past 30 days. These consistent, competitive rates offer a reliable option for borrowers seeking to lower their payments. If your current student or parent loan rate exceeds 8%, consider refinancing with Metro CU to potentially save on interest costs. Stability in these refinance rates means now is a practical time to evaluate if switching could improve your financial outlook.
Y-12 FEDERAL CREDIT UNION
As of September 10, 2025, Y-12 Federal Credit Union’s Refinance Loan rates remain steady, with variable APRs at 5.85% - 11.72% and fixed APRs at 6.34% - 11.72%, unchanged from a week ago. The variable refinance option offers the lowest starting rate at 5.85%, making it a competitive choice for borrowers seeking flexibility. Consider refinancing if your current student loan rate exceeds 8%, as locking in these stable rates could reduce your monthly payments and overall interest costs. Staying informed on small rate shifts helps optimize your education financing strategy.
UNIVERSITY OF WISCONSIN CREDIT UNION
As of September 10, 2025, the University Of Wisconsin’s Fixed Rate Refinance remains steady at 5.89% APR, showing no change over the past 30 days. The Variable Rate Refinance holds at 6.00% APR, also unchanged in the last month. With consistently low fixed rates, the Fixed Rate Refinance at 5.89% APR offers the most competitive option for borrowers seeking stability. Consider refinancing if your current rate exceeds 8%, as locking in these rates could lower your monthly payments and total interest costs.
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Conclusion
If you’re considering refinancing your student loans or parent PLUS loans, now is a smart time to evaluate locking in rates—especially if you prefer predictability with fixed APRs below 5%. Even small changes in APR can save hundreds over the life of a loan, so keeping an eye on weekly shifts matters more than ever. For parents refinancing their loans, programs like Navy Federal’s offer stable and competitive rates that could ease repayment stress significantly. Students comfortable with variable rates should weigh potential savings against market fluctuations but may find value in offerings from Commonwealth or University First at just above 4.5%. To maximize benefits, start by checking eligibility requirements and prequalification options at these credit unions—many offer no-obligation rate quotes that won’t impact your credit score. With rates holding steady or improving slightly in some cases, taking action soon could lock in savings before any unexpected increases occur. Staying informed and proactive is key to making the best financial decision for your education funding journey.