October 3, 2025: Lowest Fixed Undergrad Loans from 2.89%

Introduction

As of October 3, 2025, students and parents exploring student loan options can find some of the most competitive rates available today through various credit unions. For those seeking fixed-rate undergraduate loans, the standout offer remains at 2.74% APR from Texans Credit Union’s Private Student Loan program, the lowest fixed rate across all listings. Graduate and professional students have access to a broad range of fixed rates starting as low as 2.89% APR through multiple credit unions like LGE Community, Rogue, and Achieva Credit Union, covering fields such as medical, dental, MBA, law, and health professions loans. Variable-rate programs also present attractive options starting around 4.37% APR, notably for career training and graduate studies at institutions like Achieva and Affinity Credit Unions. This week’s data shows stability in rates with no significant weekly or monthly changes, providing a reliable landscape for borrowers to make informed financing decisions.

New - Student Loans

Lender	Product	2025-10-03 Current	2025-09-26 7 Days Ago	2025-09-18 15 Days Ago	2025-09-03 30 Days Ago	2025-08-19 45 Days Ago	2025-08-04 60 Days Ago	2025-07-05 90 Days Ago
TEXANS CREDIT UNIONLOWEST	Texans Private Student Loan (fixed)	2.74 - 6.89%	2.74 - 6.89%	2.74 - 6.89%	2.74 - 6.89%	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Medical school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	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%	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	2.89 - 14.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	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%	N/A	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	N/A	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	N/A	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Medical School Fixed Rate Loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Dental School Fixed Rate Loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	MBA Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Health Professions Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Law School Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Graduate School Fixed Rate Loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Undergraduate Fixed Rate Loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Career Training Fixed Rate Loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Medical school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	2.89 - 14.98%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Undergraduate student loan (fixed)	2.89 - 17.49%	2.89 - 17.49%	N/A	2.89 - 17.49%	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Career training loan (fixed)	2.89 - 17.64%	2.89 - 17.64%	N/A	2.89 - 17.64%	N/A	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	2.89 - 14.98%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	2.89 - 14.98%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	2.89 - 14.99%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	2.89 - 14.99%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	2.89 - 14.99%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	N/A	2.89 - 17.49%	2.89 - 17.49%	2.99 - 17.49%	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Career training loan (fixed)	2.89 - 17.64%	N/A	N/A	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A
APPLE FEDERAL CREDIT UNION	Medical School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Dental School Fixed Rate Loan (fixed)	2.89 - 14.98%	N/A	N/A	2.89 - 14.98%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	MBA Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Health Professions Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Law School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Graduate School Fixed Rate Loan (fixed)	2.89 - 14.99%	N/A	N/A	2.89 - 14.99%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Undergraduate Fixed Rate Loan (fixed)	2.89 - 17.49%	N/A	N/A	2.89 - 17.49%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Career Training Fixed Rate Loan (fixed)	2.89 - 17.64%	N/A	N/A	2.89 - 17.64%	N/A	N/A	N/A
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	N/A	2.89 - 14.99%	2.89 - 14.99%	N/A	N/A	N/A
ATLANTA POSTAL CREDIT UNION	Undergraduate student loan (fixed)	2.89 - 17.49%	N/A	2.89 - 17.49%	2.89 - 17.49%	N/A	N/A	N/A
ATLANTA POSTAL CREDIT UNION	Career training loan (fixed)	2.89 - 17.64%	N/A	2.89 - 17.64%	2.89 - 17.64%	N/A	N/A	N/A
BELLCO CREDIT UNION	Medical school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	2.89 - 14.98%	N/A	N/A
BELLCO CREDIT UNION	Dental school loan (fixed)	2.89 - 14.98%	N/A	N/A	N/A	2.89 - 14.98%	N/A	N/A
BELLCO CREDIT UNION	MBA loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	2.89 - 14.99%	N/A	N/A
BELLCO CREDIT UNION	Health professions loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	2.89 - 14.99%	N/A	N/A
BELLCO CREDIT UNION	Law school loan (fixed)	2.89 - 14.99%	N/A	N/A	N/A	2.89 - 14.99%	N/A	N/A
BELLCO CREDIT UNION	Graduate school loan (fixed)	2.89 - 14.99%	2.89 - 14.99%	2.89 - 14.99%	N/A	2.89 - 14.99%	N/A	N/A
BELLCO CREDIT UNION	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 CREDIT UNION	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
LGE COMMUNITY CREDIT UNION	Career training loan (variable)	4.37 - 16.99%	N/A	N/A	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	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%	4.37 - 13.96%	N/A	4.37 - 13.96%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	4.37 - 13.97%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	4.37 - 13.97%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A
ACHIEVA CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	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%	N/A	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A
ACHIEVA CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	N/A	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A
ACHIEVA CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	N/A	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Medical School Variable Rate Loan (variable)	4.37 - 13.96%	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Dental School Variable Rate Loan (variable)	4.37 - 13.97%	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Law School Variable Rate Loan (variable)	4.37 - 13.97%	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	MBA Variable Rate Loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Health Professions Variable Rate Loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Graduate School Variable Rate Loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Undergraduate Variable Rate Loan (variable)	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A	N/A
AFFINITY FEDERAL CREDIT UNION	Career Training Variable Rate Loan (variable)	4.37 - 17.18%	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Medical school loan (variable)	4.37 - 13.96%	4.37 - 13.96%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	4.37 - 13.97%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	4.37 - 16.99%	N/A	4.37 - 16.99%	N/A	N/A	N/A
ALLSOUTH FEDERAL CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	4.37 - 17.18%	N/A	4.37 - 17.18%	N/A	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	4.37 - 13.96%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	4.37 - 13.97%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	4.37 - 13.97%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	4.37 - 13.98%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	4.37 - 13.98%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	N/A	4.37 - 16.99%	4.37 - 16.99%	4.37 - 16.99%	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	N/A	N/A	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A
APPLE FEDERAL CREDIT UNION	Medical School Variable Rate Loan (variable)	4.37 - 13.96%	N/A	N/A	4.37 - 13.96%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Dental School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Law School Variable Rate Loan (variable)	4.37 - 13.97%	N/A	N/A	4.37 - 13.97%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	MBA Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Health Professions Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Graduate School Variable Rate Loan (variable)	4.37 - 13.98%	N/A	N/A	4.37 - 13.98%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Undergraduate Variable Rate Loan (variable)	4.37 - 16.99%	N/A	N/A	4.37 - 16.99%	N/A	N/A	N/A
APPLE FEDERAL CREDIT UNION	Career Training Variable Rate Loan (variable)	4.37 - 17.18%	N/A	N/A	4.37 - 17.18%	N/A	N/A	N/A
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL 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
ATLANTA POSTAL CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	N/A	4.37 - 13.98%	4.37 - 13.98%	N/A	N/A	N/A
ATLANTA POSTAL CREDIT UNION	Undergraduate student loan (variable)	4.37 - 16.99%	N/A	4.37 - 16.99%	4.37 - 16.99%	N/A	N/A	N/A
ATLANTA POSTAL CREDIT UNION	Career training loan (variable)	4.37 - 17.18%	N/A	4.37 - 17.18%	4.37 - 17.18%	N/A	N/A	N/A
BELLCO CREDIT UNION	Medical school loan (variable)	4.37 - 13.96%	N/A	N/A	N/A	4.37 - 13.96%	N/A	N/A
BELLCO CREDIT UNION	Dental school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	4.37 - 13.97%	N/A	N/A
BELLCO CREDIT UNION	Law school loan (variable)	4.37 - 13.97%	N/A	N/A	N/A	4.37 - 13.97%	N/A	N/A
BELLCO CREDIT UNION	MBA loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	4.37 - 13.98%	N/A	N/A
BELLCO CREDIT UNION	Health professions loan (variable)	4.37 - 13.98%	N/A	N/A	N/A	4.37 - 13.98%	N/A	N/A
BELLCO CREDIT UNION	Graduate school loan (variable)	4.37 - 13.98%	4.37 - 13.98%	4.37 - 13.98%	N/A	4.37 - 13.98%	N/A	N/A
BELLCO CREDIT UNION	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 CREDIT UNION	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
LGE COMMUNITY CREDIT UNION	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
LGE COMMUNITY CREDIT UNION	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Medical residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	6.40 - 11.89%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Dental residency loan (fixed)	6.40 - 11.89%	N/A	N/A	N/A	6.40 - 11.89%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Medical residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	7.00 - 12.45%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Dental residency loan (variable)	7.00 - 12.45%	N/A	N/A	N/A	7.00 - 12.45%	N/A	N/A
LGE COMMUNITY CREDIT UNION	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A	N/A
ROGUE CREDIT UNION	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	N/A	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Bar exam loan (fixed)	7.01 - 15.26%	N/A	N/A	N/A	7.01 - 15.26%	N/A	N/A
AMERICAN HERITAGE FEDERAL CREDIT UNION	Bar exam loan (variable)	7.13 - 16.74%	N/A	N/A	N/A	7.13 - 16.74%	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.

TEXANS CREDIT UNION

As of October 3, 2025, the Texans Private Student Loan (fixed) maintains a stable rate range of 2.74% to 6.89% APR, unchanged over the past 30 days. This consistency offers predictability for borrowers seeking fixed-rate financing. With rates starting as low as 2.74%, this product remains competitive for students and parents prioritizing budget certainty. Borrowers with existing loans above 7% APR should consider applying for new loans here to potentially reduce interest costs. For more details, visit https://www.texanscu.org/products/loans/student-loans/private-student-loan.

LGE COMMUNITY CREDIT UNION

As of October 3, 2025, LGE COMMUNITY’s new student loan rates show fixed APRs starting as low as 2.89% across key programs including Medical, Dental, MBA, Health Professions, Law, and Graduate School loans, with upper rates near 14.99%. The Undergraduate fixed loan tops out at 17.49%, while the Career Training variable loan ranges from 4.37% to 16.99%. Residency and bar exam loans have higher floors, starting around 6.40% to 7.01%. Since these are newly listed products, no prior rate trends are available; however, borrowers should focus on locking in competitive fixed rates below 3% where possible and consider variable options cautiously given their wider spreads. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=1000000914&dtd_cell=SVLRSOWBLR03100829.

ROGUE CREDIT UNION

As of October 3, 2025, ROGUE’s new student loan rates remain stable, with fixed APRs between 2.89% and 14.99% for professional programs including medical, dental, MBA, law, and graduate school loans. The undergraduate fixed loan carries a higher ceiling at 17.49%, reflecting broader risk factors. Variable rates on career training loans start at 4.37% up to 16.99%, while residency loans and bar exam loans range from 6.40% to 15.26%. With no rate changes over the past 30 days, borrowers seeking predictable payments should consider fixed options; those with variable loans should monitor market shifts closely. Consider refinancing if your current rate exceeds 8%, as ROGUE offers competitive entry points across programs.

For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000184&dtd_cell=SMLRSOPACUCUCMOTAIX1055N010000.

ACHIEVA CREDIT UNION

As of October 3, 2025, ACHIEVA CREDIT UNION’s new student loan rates remain steady across all products compared to the last 30 days. Fixed-rate loans for medical, dental, MBA, health professions, law, and graduate programs hold at 2.89% to 14.99% APR, with undergraduate and career training fixed loans slightly higher up to 17.64% APR. Variable rates range from 4.37% to 17.18% APR, consistent over the past month. The most competitive options are fixed loans for professional schools starting at 2.89% APR. Borrowers with existing loans above 8% should evaluate these stable rates; consider refinancing if potential savings outweigh fees. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000226&dtd_cell=SMLRSOPACUCUCMOTAKM1096N010000

AFFINITY FEDERAL CREDIT UNION

As of October 3, 2025, AFFINITY’s new student loan rates remain stable with no changes over the past 30 days. Fixed-rate loans for Medical, Dental, MBA, Health Professions, Law, and Graduate School programs hold steady between 2.89% and 14.99% APR. The most competitive fixed rates start at 2.89%, especially for professional programs. Undergraduate and Career Training fixed loans offer higher maximum APRs up to 17.64%. Variable rate loans range from 4.37% to 17.18% APR, with no recent movement.

Borrowers should consider fixed-rate options for predictable payments and explore refinancing if current rates exceed 8%. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000004&dtd_cell=SMLRSOPACUCURCOTAFV0986N010000.

ALLSOUTH FEDERAL CREDIT UNION

As of October 3, 2025, ALLSOUTH’s new student loan rates remain steady across all fixed and variable programs, with no changes over the past 7 or 30 days. Fixed loans for medical, dental, MBA, health professions, law, and graduate schools hold at 2.89% to 14.99% APR, while undergraduate and career training fixed loans range slightly higher up to 17.64% APR. Variable rate loans are consistent as well, from 4.37% up to 17.18% APR depending on the program.

The most competitive options continue to be fixed-rate loans starting at 2.89%, ideal for borrowers seeking predictable payments. Given stable rates, students and parents should assess if current loan terms fit their budget; consider refinancing only if your existing rate exceeds 8%, as savings must outweigh refinancing costs.

For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000350&dtd_cell=SMLRSOPACUCUCMOTANW1183N030000,

AMERICAN HERITAGE FEDERAL CREDIT UNION

As of October 3, 2025, AMERICAN HERITAGE offers new student loans with fixed rates starting at 2.89% APR, available for programs including Medical, Dental, MBA, Health Professions, Law, Graduate, Undergraduate, and Career Training loans. Variable rates begin at 4.37% APR for similar programs. Notably, fixed undergraduate and career training loans range up to 17.49% and 17.64% APR, respectively, reflecting higher risk tiers. Rates remain unchanged over the past 30 days, indicating stable borrowing costs. The most competitive options are fixed loans starting at 2.89% APR for graduate and professional studies. Borrowers with current rates above 8% may benefit from exploring these offerings or refinancing opportunities.

For more details, visit https://www.salliemae.com/landing/student-loans/?RefID=1987000001&CoBrandingID=001143&dtd_cell=SMLRSOPTRPSSN010297.

APPLE FEDERAL CREDIT UNION

APPLE’s new student loan rates remain steady over the past 30 days. Fixed rate loans for Medical, Dental, MBA, Health Professions, Law, and Graduate School programs hold at 2.89% to 14.99% APR, while Undergraduate and Career Training fixed loans range higher, up to 17.64%. Variable rates also show no change, with variable APRs starting at 4.37%, reaching as high as 17.18% for Career Training. The most competitive options continue to be fixed loans in professional programs starting at 2.89% APR. Borrowers with current rates above 8% should evaluate these offerings; refinancing may yield savings if costs are justified. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000159&dtd_cell=SMLRSOPACUCUCMOTAIL1043N010000,

ATLANTA POSTAL CREDIT UNION

As of October 3, 2025, ATLANTA POSTAL’s new student loan rates remain steady with no changes over the past 30 days. Fixed-rate loans for medical, dental, MBA, law, and health professions programs hold at 2.89% to 14.99% APR, while undergraduate fixed loans range from 2.89% to 17.49% APR. Variable rates start higher at 4.37%, with undergrad variable loans reaching up to 17.18% APR for career training. The most competitive options are fixed loans for graduate and professional programs starting below 3%. Borrowers with current rates above 8% should evaluate refinancing opportunities to reduce costs effectively.

For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000010&dtd_cell=SMLRSOPACUCURCOTAIB1033N010000.

BELLCO CREDIT UNION

As of October 3, 2025, BELLCO’s new student loan rates remain stable with no changes over the past 7 to 15 days. Fixed APRs start as low as 2.89% for specialized programs like Medical, Dental, MBA, and Law school loans, making these among the most competitive options available. Undergraduate and Career Training fixed loans offer higher maximum APRs up to 17.64%, reflecting broader credit risk profiles. Variable rates begin at 4.37%, with graduate and professional loans topping out near 13.98%. Borrowers with current rates above 8% should evaluate refinancing opportunities, as BELLCO’s offerings provide attractive fixed-rate alternatives and consistent terms.

For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000223&dtd_cell=SMLRSOPACUCURCOTAKJ1093N010000,

LendMesh

School is expensive, but your student loan doesn’t have to be. At LendMesh, we show you options from credit unions and lenders who care about transparency and your long-term success. Start your search at https://www.lendmesh.com/loans/student-loans and get funding that fits your life and your goals.

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Conclusion

With rates holding steady this week, now is an ideal time for students and parents to consider locking in fixed-rate loans, especially for undergraduate borrowers eyeing Texans Credit Union’s highly competitive 2.74% APR offering. Even slight differences in APR can translate into meaningful savings over the life of a loan, so acting sooner rather than later may secure more favorable terms before any market shifts occur. Graduates entering specialized fields should weigh fixed versus variable options carefully; while variable rates start slightly higher, they might offer flexibility depending on future rate movements. Exploring prequalification processes with these credit unions can provide clarity without impacting credit scores, empowering families to plan confidently ahead of upcoming tuition deadlines. Staying informed weekly ensures you don’t miss out on timely opportunities to optimize your student loan financing strategy.