Introduction
As of September 17, 2025, students and parents exploring refinancing options have several competitive choices to consider. For those seeking the lowest fixed rates, Lake Trust Credit Union stands out with student loan refinance rates starting as low as 3.90%, making it an attractive option for borrowers aiming to reduce their monthly payments. If you prefer variable rates, Soarion Credit Union offers a private variable refinance rate at 5.75%, while Franklin Mint presents very close fixed and variable options around 4.54% and 4.56% respectively. Parents looking for solid fixed-rate refinancing can also consider Navy Federal Credit Union’s student and parent refinance loans at a steady 4.85% APR. Digital Credit Union shows some movement with its fixed-rate range now starting at 5.50%, improving from last week’s higher rates, signaling better affordability in recent days. Whether you’re a recent graduate or a parent planning ahead, these competitive APRs reflect opportunities to save on interest costs today.
Refinance - Student Loans
Credit Union
Product
2025-09-17
(Current Day)
(Current Day)
2025-09-10
(7 Days Ago)
(7 Days Ago)
2025-09-02
(15 Days Ago)
(15 Days Ago)
2025-08-18
(30 Days Ago)
(30 Days Ago)
2025-08-03
(45 Days Ago)
(45 Days Ago)
2025-07-19
(60 Days Ago)
(60 Days Ago)
2025-06-19
(90 Days Ago)
(90 Days Ago)
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
Fixed Rate Student Refinance Loan (fixed) [Refinance]
5.50 - 10.25
7.50 - 12.25▲ 200 bps
7.50 - 12.25▲ 200 bps
Variable Rate Student Refinance Loan (variable) [Refinance]
6.50 - 11.25
6.50 - 11.25
6.50 - 11.25
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
LAKE TRUST CREDIT UNION
As of September 17, 2025, LAKE TRUST’s Student Loan Refinance fixed rates remain steady between 3.90% and 9.75%, unchanged over the past 30 days. Similarly, the Nursing Loan Refinance fixed rates hold at 3.90% to 11.50% with no recent movement. These stable rates offer competitive options for borrowers seeking to lower their current loan costs. Consider refinancing if your existing rate exceeds 8%, as LAKE TRUST provides some of the lowest fixed APRs available in the market today. For more details, visit https://laketrust.studentchoice.org/refinance/#rates,
LIGHTHOUSE FEDERAL CREDIT UNION
As of September 17, 2025, LIGHTHOUSE’s Refinance Loan offers competitive fixed rates ranging from 4.15% to 9.31% APR, with no prior data for comparison. This range presents an opportunity for borrowers to secure lower rates than many standard student loans. Consider refinancing if your current rate exceeds 8%, as this product could reduce interest costs and improve repayment terms. Since no rate movement is available yet, monitoring for future trends will help optimize timing. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
SOARION FEDERAL CREDIT UNION
As of September 17, 2025, SOARION’s refinance student loan rates are newly available with a fixed APR at 4.24% and a variable APR at 5.75%. Without prior data for comparison, these rates set the baseline for borrowers seeking competitive refinancing options. The fixed rate at 4.24% is notably low in today’s market, making it attractive for those wanting predictable payments. Borrowers with current loans above 8% should evaluate refinancing to potentially reduce interest costs. Consider your financial goals and loan terms carefully before deciding, as savings must exceed any refinancing fees to be beneficial. For more details, visit https://www.studentchoice.org/r/soarion/.
FRANKLIN MINT FEDERAL CREDIT UNION
As of September 17, 2025, FRANKLIN MINT offers competitive refinance student loan rates with a fixed APR of 4.54% and a variable APR of 4.56%, both newly listed without prior rate history for comparison. These rates represent affordable options in the current market, especially for borrowers seeking to lower existing higher-rate debt. Consider refinancing if your current student loan rate exceeds 8%, as these fixed and variable products provide potential savings on interest costs. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
NAVY FEDERAL CREDIT UNION
As of September 17, 2025, Navy Federal Credit Union’s Student and Parent Refinance Loans maintain steady rates, with the fixed APR at 4.85% and the variable APR at 5.22%, unchanged from 15 days ago. These competitive rates offer borrowers consistent refinancing options without recent volatility. Fixed-rate loans provide stable payments, while variable rates may benefit those expecting rate declines. For borrowers currently paying above 8%, refinancing at these levels could reduce interest costs significantly. Consider your financial goals and loan terms carefully; refinancing makes sense when potential savings exceed associated fees. For more details, visit https://www.navyfederal.org/loans-cards/student-loans.html.
DIGITAL FEDERAL CREDIT UNION
As of September 17, 2025, DIGITAL’s Fixed Rate Student Refinance Loan offers a notably lower APR range of 5.50% to 10.25%, down from last week’s 7.50% to 12.25%, reflecting significant rate compression on the lower end. The Variable Rate Student Refinance Loan remains steady at 6.50% to 11.25%, unchanged over the past seven days. Borrowers with current rates above 8% should consider refinancing to access these more competitive fixed options, potentially lowering long-term costs. Given stable variable rates, fixed loans may provide better predictability in today’s market. Evaluate potential savings against any refinancing fees before deciding.
For more details, visit https://www.dcu.org/about/rates.html#:~:text=Student%20Loan%20Refinancing
Y-12 FEDERAL CREDIT UNION
As of September 17, 2025, Y-12 Federal Credit Union's refinance student loan rates remain steady with variable rates ranging from 5.85% to 11.72% and fixed rates between 6.34% and 11.72%; no changes were observed over the past week. The lowest variable rate at 5.85% offers a competitive option for borrowers seeking flexible terms, while fixed rates provide stability starting at 6.34%. Borrowers with existing loans above 8% APR should consider refinancing to potentially reduce interest costs, keeping in mind that current rates have held steady without recent fluctuations. Evaluate your potential savings carefully against any refinancing fees before proceeding.
LendMesh
Planning ahead for next semester? Don’t wait until tuition is due. LendMesh helps you explore student loan offers now—so you can lock in the best rates before deadlines hit. Compare today at https://www.lendmesh.com/loans/student_loans and stay ahead of the curve.
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Conclusion
With today's rates holding steady or improving slightly in some cases, now is an ideal time for borrowers who qualify to consider locking in a refinance rate, especially those eyeing the low fixed APRs under 4%. Even small changes in APR can translate into significant savings over the life of your loan, so staying informed and acting promptly matters. Students nearing graduation or parents managing multiple loans should evaluate their current terms against these credit union offerings to find potential relief through refinancing. Remember, fixed rates offer predictability, which can be valuable amid economic uncertainty, while variable rates may provide initial savings but carry future risks. To seize the best possible deal, start by requesting personalized quotes from credit unions like Lake Trust or Navy Federal today, the opportunity to lower your student loan costs won’t wait forever. Keeping your financial goals front and center will help you make confident decisions that ease your journey beyond college debt.