Introduction
As of October 15, 2025, students, parents, and graduates exploring refinancing options can find some of the most competitive student loan rates available today. For those seeking the lowest fixed refinance rates, America's Christian Credit Union stands out with rates starting as low as 3.61% on their private refinance fixed loans. If you prefer variable rates, they also offer a competitive range beginning at 3.63%. Meanwhile, Lake Trust Credit Union provides strong options for nursing professionals and general student loan refinancing, with fixed rates from 3.90% up to 11.50%. Navigant Credit Union offers tiered fixed-rate refinance plans spanning 5-, 10-, and 15-year terms, starting at 3.99% for shorter terms. For borrowers interested in simple fixed-rate loans, Soarion and 4Front both present flat fixed rates around 4.24%, with variable alternatives near 5.75%. Notably, no major APR shifts have occurred over the past week or month, keeping today's offers stable and reliable for those ready to take action.
Refinance - Student Loans
Credit Union
Product
2025-10-15
(Current Day)
(Current Day)
2025-10-08
(7 Days Ago)
(7 Days Ago)
2025-09-30
(15 Days Ago)
(15 Days Ago)
2025-09-15
(30 Days Ago)
(30 Days Ago)
2025-08-31
(45 Days Ago)
(45 Days Ago)
2025-08-16
(60 Days Ago)
(60 Days Ago)
2025-07-17
(90 Days Ago)
(90 Days Ago)
America's Christian Credit Union Private Refinance Loan (fixed) [Refinance]
3.61 - 11.47
America's Christian Credit Union Private Refinance Loan (variable) [Refinance]
3.63 - 11.47
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
Student Loan Refinance (fixed) [Refinance]
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
7.08 - 9.50
AMERICA'S CHRISTIAN CREDIT UNION
As of October 15, 2025, AMERICA'S CHRISTIAN Credit Union offers competitive refinance student loan rates with fixed APRs ranging from 3.61% to 11.47% and variable APRs between 3.63% and 11.47%. Since no prior data is available for comparison, rate movement trends cannot be established at this time. Both fixed and variable options provide solid entry points for borrowers seeking to lower their debt costs. Consider refinancing if your current rate exceeds 8%, as these products may offer meaningful savings based on your credit profile and loan terms. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
LAKE TRUST CREDIT UNION
As of October 15, 2025, LAKE TRUST's Student Loan Refinance fixed rates remain steady at 3.90% to 9.75% over the past 30 days, offering competitive options for borrowers seeking lower interest costs. Similarly, the Nursing Loan Refinance fixed rates hold firm between 3.90% and 11.50%, showing no recent fluctuations. These stable rates provide an opportunity for borrowers with existing loans above 8% APR to consider refinancing and potentially reduce their monthly payments or total interest paid. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
NAVIGANT CREDIT UNION
As of October 15, 2025, NAVIGANT offers competitive refinance student loan rates with no prior data for direct comparison. The Pay Now - 5-Year fixed refinance loan features the lowest starting APR at 3.99%, making it the most affordable option for borrowers seeking shorter terms. Longer-term options like the Pay Now - 10-Year and 15-Year fixed loans have APRs ranging from 4.74% to 8.04%, while the Pay Later - 15-Year fixed refinance loan carries higher rates up to 8.99%. Borrowers with current rates above 8% should consider refinancing to secure lower fixed APRs and reduce overall interest costs. For more details, visit https://www.risla.com/refi-student-loans-navigant.
LIGHTHOUSE FEDERAL CREDIT UNION
As of October 15, 2025, LIGHTHOUSE's EdvestinU Refinance Loan (fixed) offers rates ranging from 4.15% to 9.31% APR with no prior data for comparison. This product presents competitive fixed refinancing options for borrowers seeking stability in payments. Consider refinancing if your current loan rate exceeds 8%, as locking in a lower fixed APR could reduce long-term interest costs. Evaluating potential savings against any refinancing fees remains essential for an informed decision. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
As of October 15, 2025, ST. MARY'S BANK’s EdvestinU Refinance Loan (fixed) maintains a stable APR range of 4.15% to 9.31%, unchanged over the past week. This consistent pricing offers borrowers reliable refinancing options without recent rate fluctuations. The product’s competitive low-end APR of 4.15% makes it a strong choice for those seeking to reduce their current loan costs. Consider refinancing if your existing student loan rate exceeds 8%, as this fixed-rate option could provide significant savings. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of October 15, 2025, SOARION’s refinance student loan rates are stable with no prior data for comparison. The Refinance Fixed Rate Loan is competitively priced at 4.24% APR, offering a low, predictable payment option. Meanwhile, the Refinance Variable Rate Loan stands at 5.75% APR, which may benefit borrowers expecting rate declines but carries potential variability. For borrowers with current rates above 8%, refinancing could provide meaningful savings given these competitive fixed and variable options. Consider your risk tolerance and loan term when choosing between fixed and variable rates. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
4FRONT CREDIT UNION
As of October 15, 2025, 4FRONT’s refinance student loan rates remain steady, with the fixed rate holding at 4.24% APR and the variable rate unchanged at 5.75% APR over the past 30 days. These consistent rates offer competitive options for borrowers seeking to lower their payments or consolidate debt. The fixed refinance rate is particularly attractive for those prioritizing predictable monthly payments. Consider refinancing if your current loan APR exceeds these benchmarks, especially if stability in payments is a priority. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of October 15, 2025, STATE EMPLOYEES CU OF MARYLAND, INC offers its Student Loan Refinance (fixed) product at a stable rate range of 7.08% to 9.50% APR, unchanged over the past 30 days. This consistency provides predictable refinancing terms for borrowers. Refinancing may be advantageous if your current loan rates exceed 8%, allowing potential savings on interest costs. Given the steady rates, carefully compare your existing loan APR with these fixed rates to determine if refinancing aligns with your financial goals.
CAPITAL CREDIT UNION
As of October 15, 2025, CAPITAL’s refinance student loan rates stand at 4.47% variable and 4.49% fixed, with no previous data for direct comparison. These competitive rates offer a solid option for borrowers seeking to lower their interest costs. If your current student loan rate exceeds 8%, refinancing with CAPITAL could reduce your monthly payments and overall interest expense. Evaluate potential savings against any refinancing fees to ensure the move is financially advantageous. For more details, visit https://partner.lendkey.com/capitalcu/refinance,
COMMONWEALTH FEDERAL CREDIT UNION
As of October 15, 2025, COMMONWEALTH’s refinance student loan rates remain stable. The private variable refinance rate holds steady at 4.47%, showing no change from one week ago. Meanwhile, the private fixed refinance rate decreased slightly by 5 basis points over the past week to 4.49%, improving affordability for borrowers seeking rate certainty. These represent competitive options for borrowers looking to lower rates, especially compared to typical market averages above 8%. Consider refinancing if your current loan rate exceeds these benchmarks and potential savings outweigh any refinancing fees. For more details, visit https://partner.lendkey.com/ccuky/refinance.
LendMesh
College should open doors, not create lifelong debt. LendMesh connects you with student loan options that prioritize affordability, transparency, and your financial future. Start smart by visiting https://www.lendmesh.com/loans/student-loans and see how simple borrowing can be.
Customers Also Interested In
Conclusion
With interest rates holding steady this week, now is an excellent time for borrowers considering student loan refinancing to evaluate locking in competitive fixed rates before any potential market shifts. Even small APR differences, sometimes just a few tenths of a percent, can translate into significant savings over the life of a loan, especially on larger balances or longer terms. Students and parents should weigh the benefits of fixed versus variable options based on their financial stability and repayment horizon. For those eligible, programs like America’s Christian Credit Union’s low starting APRs or Navigant’s flexible term lengths provide tailored solutions worth exploring further. To maximize savings and secure predictable monthly payments, start your application process soon and consult with your credit union’s loan specialists to understand all terms fully. Staying informed and proactive is key to making smart financing decisions in today’s evolving lending landscape.