Introduction
As of October 8, 2025, students, parents, and graduates exploring student loan refinancing options can find some of the most competitive rates available today. The standout offers come from credit unions like LIGHTHOUSE and ST. MARY'S BANK, both featuring fixed refinance loans with rates starting as low as 4.15% APR. For those seeking stability, fixed-rate programs remain attractive across the board, with options such as SOARION and 4FRONT offering steady rates around 4.24%. Variable rate programs are also present, notably 4FRONT’s variable refinance loan at 5.75% APR, providing flexibility for borrowers expecting potential rate drops. Longer-term fixed refinance loans from STATE EMPLOYEES CU OF MARYLAND offer a range between 4.42% and 9.50%, catering to different repayment timelines. Whether you’re a recent graduate looking to lower monthly payments or a parent assisting with college costs, today’s data highlights several strong refinance choices tailored to diverse financial needs.
Refinance - Student Loans
Credit Union
Product
2025-10-08
(Current Day)
(Current Day)
2025-10-01
(7 Days Ago)
(7 Days Ago)
2025-09-23
(15 Days Ago)
(15 Days Ago)
2025-09-08
(30 Days Ago)
(30 Days Ago)
2025-08-24
(45 Days Ago)
(45 Days Ago)
2025-08-09
(60 Days Ago)
(60 Days Ago)
2025-07-10
(90 Days Ago)
(90 Days Ago)
Variable Rate (variable) [Refinance]
4.47
4.56▲ 9 bps
4.56▲ 9 bps
4.56▲ 9 bps
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
LIGHTHOUSE’s Fixed Student Loan Refinance rates remain steady at 4.15% to 9.31% APR, unchanged over the past 15 days. This consistent pricing offers borrowers reliable refinancing options without recent rate increases. The lower end of the range, 4.15% APR, represents a competitive choice for those seeking fixed rates. Consider refinancing if your current rate exceeds 8%, as locking in a fixed rate near 4.15% could reduce your overall interest costs significantly. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
As of October 8, 2025, ST. MARY'S BANK’s EdvestinU Refinance Loan maintains a consistent APR range of 4.15% to 9.31%, with no changes over the past 7 days. This stability offers predictable refinancing options for borrowers seeking lower rates. The competitive low-end APR of 4.15% makes this product attractive for those aiming to reduce high-interest debt. Borrowers currently paying above 8% should evaluate potential savings against any refinancing fees to determine if refinancing is advantageous. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of October 8, 2025, SOARION’s Student Loan Refinance fixed rate remains steady at 4.24% APR, unchanged over the past 30 days. This consistent rate offers a competitive refinancing option for borrowers looking to lower their interest costs. Consider refinancing if your current student loan rate exceeds 8%, as locking in a lower fixed APR can reduce your overall repayment burden. Stability in rates like this supports predictable budgeting for families and students. For more details, visit https://www.studentchoice.org/r/soarion/.
4FRONT CREDIT UNION
As of October 8, 2025, 4FRONT's refinance student loan rates remain steady, with the fixed APR holding at 4.24% and the variable APR stable at 5.75% over the past 30 days. These consistent rates provide a reliable refinancing option for borrowers seeking to lower their payments or simplify debt. The fixed rate at 4.24% is notably competitive, offering predictable monthly costs without fluctuations. Borrowers with current loans above 8% should consider refinancing to capitalize on these stable, lower rates. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance,
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of October 8, 2025, STATE EMPLOYEES CU OF MARYLAND, INC offers competitive refinance student loan rates with fixed APRs ranging from 4.42% to 9.50% across terms. The most attractive option is the 5-Year fixed refinance loan, featuring rates as low as 4.42%, ideal for borrowers seeking shorter repayment periods and lower interest costs. The 10-Year fixed loan ranges from 4.92% to 8.00%, balancing manageable monthly payments with moderate rates. The 15-Year fixed refinance carries higher APRs between 7.08% and 9.50%, suitable for those prioritizing lower monthly payments over time. Since these are newly listed rates without prior data, borrowers should consider refinancing if current loans exceed 8% APR, aiming to reduce long-term interest expenses effectively.
COMMONWEALTH FEDERAL CREDIT UNION
As of October 8, 2025, COMMONWEALTH’s refinance student loan rates start at 4.47% APR for variable private loans and 4.54% APR for fixed private loans. Since no prior data is available for comparison, there is no observable rate movement yet. These rates are competitive in today’s market, particularly for borrowers seeking lower-cost refinancing options. Consider refinancing if your current loan rate exceeds 8%, as these offerings may significantly reduce your interest expenses. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of October 8, 2025, CYPRUS offers competitive refinance student loan rates with a Variable Student Loan APR at 4.47% and a Fixed Student Loan APR at 4.54%, both newly available with no prior rate history. These rates are attractive for borrowers seeking to lower their current student loan costs. Consider refinancing if your existing rate exceeds 5%, as these options provide potential savings with transparent terms. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of October 8, 2025, FRANKLIN MINT’s refinance student loan rates show a slight improvement for variable loans, with the variable APR decreasing from 4.56% to 4.47% over 30 days. Fixed rates remain steady at 4.54%, unchanged in the past month. The variable rate offers the most competitive option currently, reflecting a modest downward trend. Borrowers with existing loans above 8% should consider refinancing to potentially lower their interest costs. Given the stable fixed rate and declining variable rate, evaluating your current loan structure against these options could result in meaningful savings. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of October 8, 2025, UNIVERSITY FIRST’s refinance student loan rates remain stable with a slight downward trend in variable rates. The Variable Rate refinance loan decreased from 4.56% to 4.47% over the past week, now offering the most competitive option among available products. The Fixed Rate refinance loan holds steady at 4.54%, showing no change over the last 30 days. Borrowers with current rates above 8% should consider refinancing to potentially lower monthly payments and total interest costs. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
GEORGIA'S OWN CREDIT UNION
As of October 8, 2025, GEORGIA'S OWN student loan refinance rates remain steady with fixed rates between 4.50% and 7.00% and variable rates ranging from 7.75% to 9.75%, unchanged over the past 30 days. The fixed rate option offers the most competitive APRs, especially for borrowers seeking predictable payments. Borrowers with current rates above 8% may find refinancing advantageous to secure lower fixed or variable rates. Given no recent rate shifts, evaluating your current loan terms against these stable rates can clarify potential savings. Consider refinancing if projected interest savings exceed any associated fees. For more details, visit https://georgiasown.studentchoice.org/student-loan-refinance/#Rates.
LendMesh
Parents—LendMesh isn’t just for students. We help families compare parent loan options too, with clear terms and trusted partners. If you're helping your child pay for school, start here: https://www.lendmesh.com/loans/student-loans and find financing that fits the whole family.
Conclusion
With rates holding steady this week, now is an ideal time for borrowers to consider locking in competitive fixed APRs to secure predictable payments over the life of their loans. Even small changes in APR, fractions of a percent, can translate into meaningful savings over time, so staying informed about weekly updates is crucial. Students nearing graduation or parents planning long-term financing should explore refinance options at credit unions like LIGHTHOUSE or ST. MARY’S BANK to capitalize on these low starting rates before any market shifts occur. If your current variable rate feels uncertain, shifting to a fixed program could provide peace of mind amid economic fluctuations. Act promptly by comparing personalized offers and checking eligibility requirements, securing a favorable rate today could ease financial stress tomorrow. Staying proactive with your student loan strategy ensures you’re making smart choices that align with your unique circumstances and goals.