Introduction
As of September 11, 2025, students and parents exploring student loan options can find some of the most competitive rates available today through credit unions. For those seeking the lowest fixed rates, Eecu and Texans Credit Union both offer the Texas Extra Credit Education Loan and Texans Private Student Loan with rates starting as low as 2.74% APR. Undergraduates looking for flexible terms may consider fixed loans from Achieva, Affinity 857, or Allsouth Credit Unions, where rates begin at a very affordable 2.89% APR. Parents and cosigners have diverse options too, with Ascent Funding Credit Union offering fixed-rate loans starting at 2.89%, while variable rates slightly edge higher but still remain competitive. Graduate and professional students will find attractive fixed-rate programs starting near 2.89% APR across several credit unions including Achieva and American Heritage, covering medical, dental, law, MBA, and health professions loans. Notably, rates have remained stable over the past month with no significant changes reported this week—meaning borrowers can confidently explore these steady offerings. Whether you’re a parent financing your child’s education or a graduate student planning ahead, today’s landscape provides solid opportunities to secure affordable financing tailored to your academic journey.
New - Student Loans
Credit Union
Product
2025-09-11
(Current Day)
(Current Day)
2025-09-04
(7 Days Ago)
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2025-08-27
(15 Days Ago)
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2025-07-28
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(90 Days Ago)
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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
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
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
2.89 - 17.64
Graduate school loan (variable)
4.37 - 13.98
4.37 - 13.98
4.37 - 13.98
Undergraduate student loan (variable)
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
4.37 - 16.99
Career training loan (variable)
4.37 - 17.18
4.37 - 17.18
4.37 - 17.18
EECU CREDIT UNION
As of September 11, 2025, the Eecu Texas Extra Credit Education Loan (fixed) maintains a steady APR range of 2.74% to 6.89%, showing no rate changes over the past 30 days. This consistency highlights it as a competitive option for borrowers seeking predictable payments. Students and parents should consider this stable fixed-rate loan to lock in affordable financing without rate fluctuations. For those with existing loans above 7% APR, exploring Eecu’s offerings could provide meaningful savings and payment certainty.
TEXANS CREDIT UNION
As of September 11, 2025, the Texans Private Student Loan (fixed) maintains a steady APR range of 2.74% to 6.89%, unchanged over the past 7 days. With no rate movement in the last month and competitive fixed rates starting under 3%, this loan remains an attractive option for students seeking predictable payments. Borrowers with current loans above 7% should consider new fixed-rate options like Texans’ to secure lower, stable rates and better manage education costs. Staying informed on these rates helps families plan smarter financing strategies today.
TEXANS CREDIT UNION
As of September 11, 2025, Ascent Funding Credit Union offers competitive new student loan rates. The Cosigned Credit-Based Loan (fixed) leads with the lowest APR range at 2.89% - 14.41%, ideal for borrowers seeking stability. Variable options, like the Cosigned Credit-Based Loan (variable) at 4.34% - 14.75%, provide flexibility but may carry higher costs. Parent loans start at 5.10% fixed and 5.54% variable, reflecting affordable options for family support. Non-cosigned loans show higher rates, especially outcomes-based products above 12.89% APR. Consider locking in fixed rates if you prefer predictability or explore cosigned loans for better terms.
SAFE CREDIT UNION
As of September 11, 2025, Safe 68366’s new Cosigned Loans offer rates from 2.89% to 15.61% APR, making them the most competitive option for borrowers seeking fixed rates. Meanwhile, Non-Cosigned Loans carry variable rates between 4.34% and 15.25% APR. With no prior data for comparison, these fresh offerings set a clear benchmark. Borrowers aiming for stability should consider cosigned fixed loans, while those comfortable with rate fluctuations might explore variable non-cosigned options. If your current student loan rate exceeds 8%, reviewing these new products could help lower your borrowing costs significantly.
ACHIEVA CREDIT UNION
As of September 11, 2025, Achieva Credit Union’s new student loan rates remain steady across all products compared to 15 days ago. Fixed rates for professional programs like Medical, Dental, MBA, and Law school loans start as low as 2.89% APR, offering some of the most competitive options for students seeking predictable payments. Variable rates begin at 4.37% APR, suitable for borrowers comfortable with rate fluctuations. For residency loans, fixed rates range from 6.40% to 11.89% APR, while variable rates start at 7.00% APR. If your current rate exceeds 8%, exploring Achieva’s fixed loans could provide significant savings and stability.
AFFINITY FEDERAL CREDIT UNION
This week at Affinity 857, fixed-rate student loans remain steady, with Undergraduate and Career Training loans holding the highest upper APRs at 17.49% and 17.64%, respectively. Meanwhile, Medical, Dental, MBA, Health Professions, and Law school fixed loans all start as low as 2.89% APR, offering competitive options for professional students. On the variable side, rates also hold firm; Undergraduate variable loans top out at 16.99%, while specialized programs like Medical and Dental variable loans begin at a low 4.37% APR.
Borrowers with rates above 8% should evaluate these new fixed and variable options to secure more affordable financing today.
ALLSOUTH FEDERAL CREDIT UNION
As of September 11, 2025, Allsouth’s new student loan rates remain steady with no prior data for comparison. Fixed rates start as low as 2.89% APR for all programs, including Medical, Dental, MBA, Law, Graduate, and Undergraduate loans, with the most competitive fixed rate range at 2.89% to 14.98% for Medical and Dental School loans. Variable rates begin at 4.37% APR, slightly higher but offering potential savings if market rates decline. Borrowers seeking predictable payments should consider fixed loans starting at 2.89% APR, while those comfortable with rate fluctuations might explore variable options. Refinancing is advisable if current rates exceed 8% APR.
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of September 11, 2025, American Heritage’s new student loan rates remain steady across all products with no changes in the past 7 to 30 days. The most competitive options are fixed-rate loans for Medical, Dental, MBA, Health Professions, and Law School, starting as low as 2.89% APR. Variable rates begin at 4.37% APR for similar programs. Notably, undergraduate fixed rates hold at 2.89% - 17.49%, while variable undergrad loans range from 4.37% to 16.99% APR. Borrowers should compare these competitive fixed rates before opting for variable options or higher-rate loans.
APPLE FEDERAL CREDIT UNION
This week at Apple Credit Union, new fixed medical, dental, MBA, health professions, law, and graduate school loans all offer competitive rates from 2.89% to 14.99% APR, with no previous data for trend comparison. The undergraduate fixed loan ranges from 2.89% to 17.49%, while the career training fixed loan peaks at 17.64% APR. Variable rates start slightly higher at 4.37%, with undergrad and career training variable loans reaching up to 16.99% and 17.18% APR, respectively. Borrowers seeking the lowest fixed rates should consider professional school loans starting at 2.89%. If your current loan exceeds 8%, exploring Apple’s new products could improve affordability.
ATLANTA POSTAL CREDIT UNION
As of September 11, 2025, Atlanta Postal’s new student loan rates show a consistent range with no prior data for trend comparison. Fixed APRs start as low as 2.89% for programs like Medical, Dental, and MBA loans, making these some of the most competitive options. Variable rates begin at 4.37%, slightly higher but still attractive for flexible repayment plans. The widest rate spread appears in Career Training loans (fixed up to 17.64%, variable up to 17.18%). Borrowers should consider fixed loans under 3% APR for cost stability and review variable options if expecting early repayment or income growth.
LendMesh
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Conclusion
With interest rates holding steady across most credit union programs this week, now is an excellent time for students and parents to consider locking in competitive fixed rates, especially if you’re targeting undergraduate or graduate loans at top credit unions like Eecu or Achieva. Even small differences in APR can translate into meaningful savings over the life of a loan—so don’t overlook these seemingly modest rate advantages when comparing offers. Variable rate loans remain an option but carry more risk if market conditions shift; they may suit borrowers comfortable with some fluctuation in payments. Parents co-signing or applying for specialized professional school loans should weigh their options carefully but can take comfort in current rate stability. As you move forward, gather all necessary financial documents early and start conversations with your chosen credit union soon to capitalize on today’s favorable terms before any potential market shifts. Staying informed and proactive is key—your best loan fit could be just a conversation away!