September 23, 2025: Lowest Student Loans from 2.60% Fixed for Undergrads & Parents

As of September 23, 2025, students and parents exploring student loan options can find some of the most competitive rates available at credit unions nationwide. For undergraduates seeking fixed-rate loans, Midwest Credit Union offers the lowest APR at 4.15%, providing a steady repayment path with predictability and peace of mind. Graduate students benefit from strong variable-rate programs as well, with Pioneer Federal Credit Union leading at just 3.85% variable APR, ideal for those comfortable with slight fluctuations in interest to potentially save more over time. Parents looking to support their children’s education will find attractive fixed rates too, Heritage Credit Union’s Parent PLUS loan stands out at 5.30% APR, a notable option for borrowing flexibility. This week’s data also shows a modest but meaningful drop in Parent PLUS loan APRs by up to 0.12%, signaling a favorable moment to act. Whether you’re a first-time borrower or refinancing, today’s rates offer solid choices for every stage of your educational financing journey.