September 26, 2025: Student Loans at Record Low 2.55% Fixed for Undergrads & Parents

Introduction

As of September 26, 2025, students and parents exploring affordable financing options will find several standout student loan rates worth considering. For undergraduates seeking stability, Community First Credit Union offers the lowest fixed APR at just 4.35%, making it a smart choice for those prioritizing predictable monthly payments. Graduate students can benefit from Pioneer Federal Credit Union’s variable rate as low as 4.15%, providing potential savings if rates remain favorable. Parents looking to support their college-bound children will appreciate Unity Credit Union’s Parent PLUS loan with a competitive fixed APR of 5.50%, currently holding steady after last week’s slight dip. Notably, the Parent PLUS loan APR at Unity Credit Union fell by 0.10% over the past seven days, signaling a timely opportunity for parents ready to lock in rates. Whether you’re an undergraduate, graduate student, or parent funding education costs, today’s best credit union rates offer options tailored to your unique needs with competitive terms designed to ease financial planning.

New - Student Loans

Lender	Product	2025-09-26 Current	2025-09-19 7 Days Ago	2025-09-11 15 Days Ago	2025-08-27 30 Days Ago	2025-08-12 45 Days Ago	2025-07-28 60 Days Ago	2025-06-28 90 Days Ago
TEXANSLOWEST	Texans Private Student Loan (fixed)	2.74 - 6.89%	2.74 - 6.89%	2.74 - 6.89%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Medical school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
CREDIT UNION 1	MBA loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Health professions loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Law school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Graduate school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
CREDIT UNION 1	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	2.89 - 17.49%	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A
AFFINITY	Medical School Fixed Rate Loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental School Fixed Rate Loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
AFFINITY	MBA Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Health Professions Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Law School Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Graduate School Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Undergraduate Fixed Rate Loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Career Training Fixed Rate Loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
APPLE	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
APPLE	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
APPLE	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
APPLE	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
APPLE	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
APPLE	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
APPLE	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A
APPLE	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Medical school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	MBA loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Health professions loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Law school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Graduate school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	2.89 - 17.49%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Career training loan (fixed)	2.89 - 17.64%	N/A	2.89 - 17.64%	N/A	N/A	N/A	N/A
BELLCO	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
BELLCO	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
BELLCO	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
BELLCO	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
BELLCO	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
BELLCO	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
BELLCO	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	N/A	2.89 - 17.49%	2.99 - 17.49%	N/A
BELLCO	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	N/A	2.89 - 17.64%	2.99 - 17.64%	N/A
CREDIT UNION 1	Career training loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Medical school loan (variable)	4.37 - 13.96%	N/A	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	N/A	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	N/A	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A
AFFINITY	Medical School Variable Rate Loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Dental School Variable Rate Loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Law School Variable Rate Loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
AFFINITY	MBA Variable Rate Loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Health Professions Variable Rate Loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Graduate School Variable Rate Loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Undergraduate Variable Rate Loan (variable)	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
AFFINITY	Career Training Variable Rate Loan (variable)	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A	N/A
ALLSOUTH	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE	Career training loan (variable)	4.37 - 17.18%	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	N/A	N/A	N/A
APPLE	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
APPLE	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
APPLE	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
APPLE	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
APPLE	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
APPLE	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A
APPLE	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Medical school loan (variable)	4.37 - 13.96%	N/A	4.37 - 13.96%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Dental school loan (variable)	4.37 - 13.97%	N/A	4.37 - 13.97%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Law school loan (variable)	4.37 - 13.97%	N/A	4.37 - 13.97%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	MBA loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Health professions loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Graduate school loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	4.37 - 16.99%	N/A	N/A	N/A	N/A
ATLANTA POSTAL	Career training loan (variable)	4.37 - 17.18%	N/A	4.37 - 17.18%	N/A	N/A	N/A	N/A
BELLCO	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
BELLCO	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
BELLCO	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
BELLCO	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
BELLCO	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
BELLCO	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
BELLCO	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	4.37 - 16.99%	4.37 - 16.99%	N/A
BELLCO	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	4.37 - 17.18%	4.37 - 17.18%	N/A
CREDIT UNION 1	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
CREDIT UNION 1	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (variable)	8.24 - 13.60%	8.24 - 13.60%	N/A	N/A	N/A	N/A	N/A
—	Credit-Based Loan (fixed)	8.29 - 13.76%	8.29 - 13.76%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (variable)	12.89 - 14.84%	12.89 - 14.84%	N/A	N/A	N/A	N/A	N/A
—	Outcomes-Based Loan (fixed)	12.98 - 14.93%	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.

LendMesh

Dreaming of a better education? LendMesh can help make it affordable. Whether it’s undergrad, grad school, or a career change, we connect you with lenders who believe in second chances and first steps. Explore your path at https://www.lendmesh.com/loans/student-loans .

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Conclusion

With today’s student loan landscape in mind, locking in a low fixed rate now could shield borrowers from future market fluctuations, especially for parents and undergraduates who value payment certainty. Even small APR changes, like the recent 0.10% drop in Parent PLUS loans, can translate into meaningful savings over time. Graduates comfortable with some variability might consider variable rates but should monitor trends closely. Families should also evaluate repayment terms and eligibility criteria alongside these rates to find the best fit. If you’re nearing application deadlines or tuition payments, act soon to secure these favorable credit union offers before rates shift again. Staying informed and proactive about student loan choices empowers students and parents alike to navigate college financing confidently while minimizing long-term debt burdens.