Introduction
As of September 24, 2025, students and parents seeking to refinance their student loans have several competitive options to consider. The lowest fixed rates start at an attractive 4.15% APR, offered by both Lighthouse and St. Mary’s Bank on their refinance programs, making them standout choices for borrowers looking for stability in monthly payments. For those open to variable rates, credit unions like Capital and Commonwealth present appealing options near 4.56% APR. Meanwhile, Soarion and 4Front offer solid fixed-rate refinancing around 4.24%, with 4Front also providing a variable rate option at 5.75%. Parents or graduates exploring nursing-specific refinancing might look to Together Credit Union, where fixed rates range from 4.24% up to 10.74% depending on terms. Whether you’re targeting the lowest possible fixed rate or considering variable options that could save money over time, today’s data highlights several trustworthy credit unions poised to help families manage education costs effectively.
Refinance - Student Loans
Credit Union
Product
2025-09-24
(Current Day)
(Current Day)
2025-09-17
(7 Days Ago)
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2025-09-09
(15 Days Ago)
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2025-08-25
(30 Days Ago)
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2025-08-10
(45 Days Ago)
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2025-07-26
(60 Days Ago)
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2025-06-26
(90 Days Ago)
(90 Days Ago)
Student Loan Refinance (Fixed Rate) (fixed) [Refinance]
7.08 - 9.50
LIGHTHOUSE FEDERAL CREDIT UNION
As of September 24, 2025, LIGHTHOUSE's Fixed Student Loan Refinance rates range from 4.15% to 9.31% APR, with no previous data available for direct comparison. This product remains competitive for borrowers seeking stable payments and potential savings. Consider refinancing if your current loan rate exceeds 8%, as locking in a fixed rate under 9.31% could reduce your overall interest costs. Evaluating your loan terms alongside current rates can help determine if refinancing aligns with your financial goals. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
As of September 24, 2025, ST. MARY'S BANK offers a Refinance Loan (fixed) with competitive rates ranging from 4.15% to 9.31% APR. Since this is the first reporting period, no prior rate comparisons are available. The loan’s lower starting rate at 4.15% APR positions it well for borrowers seeking to reduce interest costs on existing student debt. Consider refinancing if your current rate exceeds 8%, as this product could provide meaningful savings over time. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of September 24, 2025, SOARION’s Student Loan Refinance fixed rate stands at 4.24% APR, with no prior data available for comparison. This competitive fixed rate offers a stable option for borrowers looking to reduce monthly payments or overall interest costs. Consider refinancing if your current student loan rate exceeds 8%, as locking in a lower fixed rate can provide significant long-term savings. For more details, visit https://www.studentchoice.org/r/soarion/.
4FRONT CREDIT UNION
As of September 24, 2025, 4FRONT’s refinance student loan rates remain steady, with the fixed rate at 4.24% APR unchanged from 15 days ago and the variable rate holding at 5.75% APR over the same period. These competitive rates offer solid options for borrowers looking to lower their costs compared to typical federal or private loans above 8%. Consider refinancing if your current interest rate exceeds these benchmarks, as stable rates like these can provide predictable savings without recent upward pressure. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
TOGETHER CREDIT UNION
As of September 24, 2025, TOGETHER’s Nursing Loan Refinance fixed rates remain steady between 4.24% and 10.74% over the past 30 days, offering some of the most competitive starting APRs for healthcare professionals. Similarly, Student Loan Refinance fixed rates hold firm at 4.99% to 11.74%, showing no recent volatility. Borrowers with current rates above 8% should consider refinancing with TOGETHER to potentially lower their payments through these stable, low-entry APR options. For more details, visit https://togethercu.studentchoice.org/refinance/.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of September 24, 2025, STATE EMPLOYEES CU OF MARYLAND, INC offers a Student Loan Refinance (Fixed Rate) with APRs ranging from 7.08% to 9.50%. Since no prior data is available for comparison, rate movement cannot be determined. This product remains competitive for borrowers seeking fixed-rate refinancing options. Consider refinancing if your current loan APR exceeds 8%, as locking in a rate near the lower bound could reduce interest costs over time. Evaluate potential savings against any refinancing fees to ensure financial benefit before proceeding.
GEORGIA'S OWN CREDIT UNION
As of September 24, 2025, GEORGIA'S OWN offers competitive refinance student loans with fixed rates ranging from 4.50% to 7.00% and variable rates between 7.75% and 9.75%, unchanged over the past 30 days. The stable fixed rates remain the most attractive option for borrowers seeking predictable payments, while variable rates carry slightly higher risk without recent movement. Consider refinancing if your current rate exceeds 8%, as locking in these fixed terms could reduce interest costs over time. For more details, visit https://georgiasown.studentchoice.org/student-loan-refinance/#Rates.
CLEARVIEW FEDERAL CREDIT UNION
CLEARVIEW’s Student Loan Refinance rates currently range from 4.50% to 11.00% variable and 5.49% to 12.00% fixed, newly available with no prior data for comparison. The variable refinance option offers the lowest starting APR at 4.50%, making it the most competitive choice for borrowers seeking potential savings. For those with existing loans above 8%, refinancing could reduce interest costs significantly, especially if you prefer rate stability through fixed terms. Evaluate your current rates against these options, considering fees and loan terms to determine if refinancing aligns with your financial goals. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
CAPITAL CREDIT UNION
As of September 24, 2025, CAPITAL’s refinance student loan rates stand at 4.54% fixed and 4.56% variable, both newly available with no prior data for comparison. These competitive rates offer a solid option for borrowers looking to lower their current loan costs. If your existing student loan rate exceeds 8%, refinancing with CAPITAL may provide significant savings. Given the absence of recent rate changes, now is a practical time to evaluate refinancing benefits based on your financial situation. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s refinance student loan rates are currently competitive, with fixed rates at 4.54% and variable rates slightly higher at 4.56% as of September 24, 2025. Since no previous data is available for comparison, these rates set a clear benchmark for borrowers seeking to lower their interest costs. Fixed-rate loans offer stability, while variable rates may benefit those expecting to pay off loans quickly or anticipating rate drops. Consider refinancing if your existing rate exceeds 8%, as current offers represent significant potential savings. For more details, visit https://partner.lendkey.com/ccuky/refinance.
LendMesh
Already making student loan payments? You may qualify for a better deal. With LendMesh, you can explore refinancing options from banks and credit unions that could save you money every month. Start fresh at https://www.lendmesh.com/loans/student_loans .
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Conclusion
With interest rates showing stability but still offering room for savings, now is a smart time for borrowers, especially those planning to refinance, to lock in competitive fixed rates around 4.15%, 4.24% if you value predictable payments over loan life. Even small differences in APR can translate into significant savings when spread across years of repayment, so don’t overlook modest rate variations between credit unions. Variable rates may appeal if you anticipate paying off loans quickly or expect future rate drops, but be mindful of potential increases over time. Parents financing nursing education should evaluate the broader rate ranges carefully before committing. To make the most of these opportunities, start by comparing eligibility criteria at your preferred credit unions and gathering documentation early, acting promptly can secure your best rate before market shifts occur. Remember, refinancing isn’t just about lowering your APR; it’s about finding the right fit for your financial goals and peace of mind through manageable loan terms.