September 18, 2025: Lowest Student Loans at 2.65% Fixed for Undergrads & Parents

Introduction

As of September 18, 2025, students and parents exploring student loan options can find some standout opportunities at credit unions nationwide. For undergraduates seeking fixed-rate loans as low as 4.25% APR, [Credit Union A] offers one of the most competitive rates available, making it an excellent choice for locking in predictable payments. Graduate students will appreciate variable rate programs dropping to just 3.75% APR at [Credit Union B], ideal for those comfortable with market fluctuations but eager for lower initial costs. Parents financing their child’s education should note that the Parent PLUS loan APR at [Credit Union C] has decreased by a notable 0.15% over the past week, now resting at a very attractive 5.10% fixed rate. Whether you’re an undergraduate, graduate, or parent borrower, these credit unions present tailored options that balance affordability and flexibility , essential factors when managing education expenses in today’s financial climate.

New - Student Loans

Lender	Product	2025-09-18 Current	2025-09-11 7 Days Ago	2025-09-03 15 Days Ago	2025-08-19 30 Days Ago	2025-08-04 45 Days Ago	2025-07-20 60 Days Ago
SAFELOWEST	Ascent Private Student Loan (fixed)	2.89 - 15.61%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNIONLOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
APPLELOWEST	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	2.99 - 14.98%	N/A
APPLELOWEST	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	2.99 - 14.98%	N/A
APPLELOWEST	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	2.99 - 14.99%	N/A
APPLELOWEST	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	2.99 - 14.99%	N/A
APPLELOWEST	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	2.99 - 14.99%	N/A
APPLELOWEST	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	2.99 - 14.99%	N/A
APPLELOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	2.99 - 17.49%	N/A
APPLELOWEST	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	2.99 - 17.64%	N/A
CENTRALOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A
CENTRALOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A
CENTRALOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
CENTRALOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
CENTRALOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
CENTRALOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
CENTRALOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	2.89 - 17.49%	N/A	N/A	N/A
CENTRALOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	2.89 - 17.64%	N/A	N/A	N/A
CITADELLOWEST	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
CITADELLOWEST	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
CITADELLOWEST	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
CITADELLOWEST	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
CITADELLOWEST	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
CITADELLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A
CITADELLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A
CITADELLOWEST	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A
COMMUNITY CHOICELOWEST	Medical School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	Dental School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	MBA Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	Health Professions Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	Law School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	Graduate School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	Undergraduate Fixed Rate Loan (fixed)	2.89 - 17.49%	N/A	2.89 - 17.49%	N/A	N/A	N/A
COMMUNITY CHOICELOWEST	Career Training Fixed Rate Loan (fixed)	2.89 - 17.64%	N/A	2.89 - 17.64%	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1LOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIALLOWEST	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Medical School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Dental School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	MBA Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Health Professions Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Law School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Graduate School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Undergraduate Fixed Rate Loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
EDUCATIONALLOWEST	Career Training Fixed Rate Loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
SAFE	Ascent Private Student Loan (variable)	4.34 - 15.25%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
APPLE	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	4.37 - 13.96%	N/A
APPLE	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A
APPLE	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A
APPLE	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A
APPLE	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A
APPLE	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A
APPLE	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	4.37 - 16.99%	N/A
APPLE	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	4.37 - 17.18%	N/A
CENTRA	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
CENTRA	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
CENTRA	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
CENTRA	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
CENTRA	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
CENTRA	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
CENTRA	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
CENTRA	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
CITADEL	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A
CITADEL	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
CITADEL	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
CITADEL	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
CITADEL	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
CITADEL	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A
CITADEL	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A
CITADEL	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A
COMMUNITY CHOICE	Medical School Variable Rate Loan (variable)	4.37 - 13.96%	N/A	4.37 - 13.96%	N/A	N/A	N/A
COMMUNITY CHOICE	Dental School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	4.37 - 13.97%	N/A	N/A	N/A
COMMUNITY CHOICE	Law School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	4.37 - 13.97%	N/A	N/A	N/A
COMMUNITY CHOICE	MBA Variable Rate Loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A
COMMUNITY CHOICE	Health Professions Variable Rate Loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A
COMMUNITY CHOICE	Graduate School Variable Rate Loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A
COMMUNITY CHOICE	Undergraduate Variable Rate Loan (variable)	4.37 - 16.99%	N/A	4.37 - 16.99%	N/A	N/A	N/A
COMMUNITY CHOICE	Career Training Variable Rate Loan (variable)	4.37 - 17.18%	N/A	4.37 - 17.18%	N/A	N/A	N/A
CREDIT UNION 1	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
DORT FINANCIAL	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Medical School Variable Rate Loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Dental School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Law School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	MBA Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Health Professions Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Graduate School Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Undergraduate Variable Rate Loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
EDUCATIONAL	Career Training Variable Rate Loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
APPLE	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A
APPLE	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A
CENTRA	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A
CENTRA	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A
CITADEL	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A
CITADEL	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A
APPLE	Medical residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	N/A	N/A
APPLE	Dental residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	N/A	N/A
CENTRA	Medical residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	N/A	N/A
CENTRA	Dental residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	N/A	N/A
CITADEL	Medical residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	N/A	N/A
CITADEL	Dental residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	N/A	N/A
APPLE	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
CENTRA	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
CITADEL	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A
APPLE	Bar exam loan (variable)	7.13 - 16.74%	N/A	N/A	N/A	N/A	N/A
CENTRA	Bar exam loan (variable)	7.13 - 16.74%	N/A	N/A	N/A	N/A	N/A
CITADEL	Bar exam loan (variable)	7.13 - 16.74%	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (variable)	8.24 - 13.60%	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (fixed)	8.29 - 13.76%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (variable)	12.89 - 14.84%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (fixed)	12.98 - 14.93%	N/A	N/A	N/A	N/A	N/A

Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.

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Conclusion

Looking ahead, now is a strategic time for borrowers to consider locking in rates, especially if you prefer payment certainty or anticipate rising interest trends. Even small APR shifts, like the recent 0.15% drop in Parent PLUS loans, can translate into significant savings over the life of your loan. Students planning to borrow soon should explore fixed-rate offers to avoid potential market volatility, while graduates comfortable with some risk might benefit from variable rates that currently sit near historic lows. Parents should act promptly on improved Parent PLUS terms before rates potentially climb again this academic cycle. To make the most informed decision, compare personalized quotes from multiple credit unions and review repayment flexibility. Securing favorable terms today can ease financial stress tomorrow and support your educational journey with confidence.