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

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.