Introduction
As of October 1, 2025, students and parents exploring refinancing options will find some of the most competitive fixed-rate student loan refinance programs available from credit unions nationwide. For those seeking the lowest fixed APRs, Lighthouse Credit Union and St. Mary’s Bank are both offering standout rates starting at 4.15%, a strong choice for borrowers aiming to reduce interest costs on existing student debt. Meanwhile, flexible options like Soarion and 4Front provide solid fixed rates around 4.24%, with variable rates at 5.75% for borrowers comfortable with rate fluctuations. For longer terms, Maryland’s State Employees Credit Union presents a range of fixed refinance rates from 4.42% up to 9.50%, accommodating different repayment horizons. If you’re considering variable rates, Georgia’s Own and Clearview offer broader ranges but tend toward higher ceilings, so weighing stability versus potential savings is key. Overall, today’s data highlights excellent opportunities for refinancing with fixed-rate programs leading the pack in affordability and predictability, ideal for graduates and parents eager to optimize loan terms without surprises.
Refinance - Student Loans
Credit Union
Product
2025-10-01
(Current Day)
(Current Day)
2025-09-24
(7 Days Ago)
(7 Days Ago)
2025-09-16
(15 Days Ago)
(15 Days Ago)
2025-09-01
(30 Days Ago)
(30 Days Ago)
2025-08-17
(45 Days Ago)
(45 Days Ago)
2025-08-02
(60 Days Ago)
(60 Days Ago)
2025-07-03
(90 Days Ago)
(90 Days Ago)
5-Year (fixed) [Refinance]
4.42 - 7.00
4.42 - 7.00
4.42 - 7.00
10-Year (fixed) [Refinance]
4.92 - 8.00
4.92 - 8.00
4.92 - 8.00
15-Year (fixed) [Refinance]
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
Fixed Rates (fixed) [Refinance]
4.50 - 7.00
4.50 - 7.00
4.50 - 7.00
4.50 - 7.00
Variable Rates (variable) [Refinance]
7.75 - 9.75
7.75 - 9.75
7.75 - 9.75
7.75 - 9.75
LIGHTHOUSE FEDERAL CREDIT UNION
The LIGHTHOUSE EdvestinU Refinance Loan offers competitive fixed rates ranging from 4.15% to 9.31% APR as of October 1, 2025. Since this is the first reporting period for this product, no prior rate trends are available. Borrowers with existing student loans above 8% should consider refinancing to potentially lower monthly payments and overall interest costs. Evaluating the fixed-rate range can help determine if this refinance option aligns with your financial goals. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
ST. MARY'S BANK’s Refinance Loan (fixed) rates remain stable at 4.15% to 9.31% APR, unchanged over the past week. This consistent range offers competitive options for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, consider refinancing to potentially reduce your monthly payments and total interest paid. Maintaining steady rates provides a clear opportunity for families and graduates aiming to optimize education financing. Evaluate your existing loan terms carefully; refinancing may be beneficial if savings exceed any associated fees. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of October 1, 2025, SOARION’s Student Loan Refinance (fixed) rate remains steady at 4.24%, unchanged over the past week. This consistent rate offers a competitive option for borrowers seeking to lower their fixed APR on existing student debt. If your current loan rate exceeds 8%, refinancing at this stable 4.24% could significantly reduce your interest costs. Maintaining a fixed refinance rate without fluctuations provides predictability in repayment planning. Consider refinancing if the potential savings outweigh any associated fees. For more details, visit https://www.studentchoice.org/r/soarion/.
4FRONT CREDIT UNION
As of October 1, 2025, 4FRONT’s refinance student loan rates remain steady, with the fixed APR at 4.24% and the variable APR at 5.75%, unchanged over the past week. These competitive rates offer a reliable option for borrowers seeking to lower their costs without rate volatility. Fixed-rate loans provide predictable payments, while variable rates may benefit those expecting to pay off loans quickly or anticipating rate declines. Consider refinancing if your current rate exceeds 8%, as these options could reduce your interest expenses meaningfully. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of October 1, 2025, STATE EMPLOYEES CU OF MARYLAND, INC maintains stable refinance student loan rates with no changes over the past 30 days. The most competitive option remains the 5-Year fixed refinance at 4.42 - 7.00% APR, offering lower rates for borrowers seeking shorter repayment terms. The 10-Year fixed refinance ranges from 4.92 - 8.00% APR, while the longer-term 15-Year fixed refinance spans 7.08 - 9.50% APR. Consider refinancing if your current rate exceeds 8%, as these products provide clear opportunities to reduce interest costs without recent rate increases.
GEORGIA'S OWN CREDIT UNION
As of October 1, 2025, GEORGIA'S OWN refinance student loan rates remain stable, with fixed rates holding steady between 4.50% and 7.00% over the past month. Similarly, variable rates are unchanged at 7.75% to 9.75%. The fixed-rate option continues to offer the most competitive pricing for borrowers seeking predictable payments. Consider refinancing if your current rate exceeds 8%, especially to lock in a fixed rate under 7%, which may provide long-term savings and payment stability. For more details, visit https://georgiasown.studentchoice.org/student-loan-refinance/#Rates.
CLEARVIEW FEDERAL CREDIT UNION
As of October 1, 2025, CLEARVIEW’s refinance student loan rates offer competitive options with variable APRs ranging from 4.50% to 11.00% and fixed APRs between 5.49% and 12.00%. Since no prior data is available for comparison, rate trends cannot be assessed at this time. Borrowers with existing loans above 8% should consider refinancing to potentially lower payments using these competitive rates. Always weigh refinancing savings against any associated fees to ensure a net benefit. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
CAPITAL CREDIT UNION
As of October 1, 2025, CAPITAL's refinance student loan rates remain steady, with fixed loans at 4.54% APR and variable loans at 4.56% APR, showing no change over the past week. These competitive rates provide a solid option for borrowers looking to reduce their interest costs. Given the stability and relatively low APRs, consider refinancing if your current rate exceeds 8%, as this could lead to meaningful savings over time. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of October 1, 2025, COMMONWEALTH’s refinance student loan rates remain steady with fixed loans at 4.54% APR and variable loans at 4.56% APR, unchanged over the past week. These rates represent some of the most competitive options currently available for borrowers seeking to lower their education debt costs. For those with existing loans above 8%, refinancing could offer meaningful savings given these low, stable rates. Evaluate your current loan terms carefully and consider refinancing if potential savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/ccuky/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of October 1, 2025, UNIVERSITY FIRST’s refinance student loan rates remain steady with the Fixed Rate at 4.54% APR and the Variable Rate at 4.56% APR, unchanged over the past 30 days. These competitive rates offer a consistent option for borrowers seeking to lower their interest costs. Consider refinancing if your current student loan rate exceeds 8%, as these options could reduce your payments significantly. Stability in rates suggests a favorable refinancing environment without recent fluctuations. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
LendMesh
Heading to college should be exciting—not overwhelming. At LendMesh, we help take the stress out of paying for school by comparing student loan options from credit unions and trusted banks. Whether it’s for tuition, housing, or books, visit https://www.lendmesh.com/loans/student_loans and explore the smarter way to fund your future.
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Conclusion
Looking ahead, locking in a low fixed APR now can shield borrowers from future interest rate volatility, especially as markets continue to shift unpredictably. Even small changes in APR, just a fraction of a percent, can translate into meaningful savings over the life of a loan, making it worthwhile to act sooner rather than later if you qualify for rates near or below today’s lows around 4.15%. Students nearing graduation or parents managing Parent PLUS loans should carefully review their eligibility with credit unions offering these competitive refinance options. Additionally, understanding the difference between fixed and variable rates, and your comfort with potential adjustments, is crucial before committing. To take advantage of these favorable terms, start by comparing offers from Lighthouse, St. Mary’s Bank, and other top credit unions featured here. Request pre-approval or rate quotes this week to secure your best deal while these stable rates remain available in early October.