Introduction
As of October 22, 2025, students and parents exploring refinancing options have some standout opportunities to consider. The most competitive fixed-rate student loan refinance programs start as low as 3.61% APR with America's Christian Credit Union, offering both fixed and variable private refinance loans. For those seeking stability, Navigant Credit Union presents attractive fixed rates beginning at 3.99% APR on their 5-year refinance plan. Meanwhile, Lake Trust Credit Union’s nursing refinance loans offer a wide range with rates starting at 3.90% APR, making it a strong contender for healthcare-focused borrowers. Variable rate options tend to start slightly higher, with Soarion and 4Front Credit Unions both offering variable rates around 5.75% APR. Notably, most credit unions show stable rates compared to last week, signaling steady market conditions for borrowers ready to refinance or consolidate student debt. Whether you’re a recent graduate or a parent helping finance education, today’s best offerings provide solid choices tailored to diverse financial needs.
Refinance - Student Loans
Credit Union
Product
2025-10-22
(Current Day)
(Current Day)
2025-10-15
(7 Days Ago)
(7 Days Ago)
2025-10-07
(15 Days Ago)
(15 Days Ago)
2025-09-22
(30 Days Ago)
(30 Days Ago)
2025-09-07
(45 Days Ago)
(45 Days Ago)
2025-08-23
(60 Days Ago)
(60 Days Ago)
2025-07-24
(90 Days Ago)
(90 Days Ago)
America's Christian Credit Union Private Refinance Loan (fixed) [Refinance]
3.61 - 11.47
3.61 - 11.47
America's Christian Credit Union Private Refinance Loan (variable) [Refinance]
3.63 - 11.47
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
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
4.15 - 9.31
4.15 - 9.31
AMERICA'S CHRISTIAN CREDIT UNION
As of October 22, 2025, America's Christian Credit Union’s Private Refinance Loan rates remain stable with fixed APRs ranging from 3.61% to 11.47%, and variable APRs between 3.63% and 11.47%, showing no change over the past week. These competitive rates provide options for borrowers seeking to lower their student loan costs. Consider refinancing if your current rate exceeds 8%, as these loans offer potential savings without recent rate increases. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
LAKE TRUST CREDIT UNION
As of October 22, 2025, LAKE TRUST’s Student Loan Refinance and Nursing Loan Refinance fixed rates remain steady at 3.90% to 9.75% and 3.90% to 11.50%, respectively, with no changes over the past week. These competitive APR ranges provide solid refinancing options for borrowers seeking lower interest costs. Consider refinancing if your current rate exceeds 8%, as these products offer potential savings without recent rate increases. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
NAVIGANT CREDIT UNION
As of October 22, 2025, NAVIGANT offers competitive fixed-rate refinance options for student loans. The 5-Year Refinance leads with the lowest rates, ranging from 3.99% to 7.89% APR, making it attractive for borrowers seeking shorter terms. Longer terms such as the 10-Year Refinance and 15-Year Refinance carry slightly higher rates, up to 8.04% APR. The Pay Later 15-Year Refinance is available at rates between 5.99% and 8.99% APR, suitable for those preferring deferred payments. Since these are newly listed products, no rate trends are available yet. Consider refinancing if your current rate exceeds 8% to potentially reduce interest costs over time. For more details, visit https://www.risla.com/refi-student-loans-navigant,
LIGHTHOUSE FEDERAL CREDIT UNION
The EdvestinU Refinance Loan (fixed) from LIGHTHOUSE maintains a steady APR range of 4.15% to 9.31% over the past 30 days, showing no rate fluctuations. This product offers competitive fixed rates, making it an attractive option for borrowers seeking stable payments. Consider refinancing if your current student loan rate exceeds 8%, as this loan could lower your interest costs and simplify repayment. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
As of October 22, 2025, the EdvestinU Refinance Loan (fixed) at ST. MARY'S BANK remains steady with an APR range of 4.15% to 9.31%, unchanged over the past 30 days. This consistency offers reliable refinancing options for borrowers seeking predictable payments. The competitive low end at 4.15% APR makes it a viable choice for those looking to lower rates from higher current loans. Consider refinancing if your existing student loan rate exceeds 8%, as this product can provide meaningful savings without recent rate volatility. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of October 22, 2025, SOARION’s refinance student loan rates remain steady with the fixed-rate loan at 4.24% APR and the variable-rate loan at 5.75% APR, unchanged over the past week. These competitive rates provide stable options for borrowers seeking to lower their current student loan interest. Fixed-rate loans offer predictable payments, while variable rates may benefit those expecting a decline in market rates. Consider refinancing if your existing loan APR exceeds these figures, as locking in a rate near 4.24% could reduce overall interest costs. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
4FRONT CREDIT UNION
As of October 22, 2025, 4FRONT’s refinance student loan rates remain steady, with the fixed APR holding at 4.24% and the variable APR unchanged at 5.75% over the past 30 days. These consistent rates provide a reliable option for borrowers seeking to lower their interest costs. The fixed refinance loan at 4.24% offers the most competitive rate, especially for those prioritizing predictable payments. Borrowers currently paying above 8% should consider refinancing to potentially reduce their monthly expenses and total interest paid over time. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance,
TOGETHER CREDIT UNION
As of October 22, 2025, TOGETHER’s Nursing Loan Refinance and Student Loan Refinance fixed rates remain steady, holding at 4.24% to 10.74% and 4.99% to 11.74%, respectively, with no changes over the past 30 days. The Nursing Loan Refinance offers the lowest starting APR at 4.24%, making it a competitive option for eligible borrowers. If your current student loan rate exceeds 8%, consider refinancing with TOGETHER to potentially reduce interest costs and improve repayment terms. For more details, visit https://togethercu.studentchoice.org/refinance/.
CITY & COUNTY CREDIT UNION
As of October 22, 2025, CITY & COUNTY’s refinance student loan rates start at 4.24% APR for fixed-rate loans and 6.24% APR for variable-rate options, offering competitive entry points for borrowers seeking to lower their costs. Since no prior data is available, rate movement can’t be assessed; however, the fixed-rate product remains the most affordable choice for long-term stability. Borrowers with current rates above 8% may benefit from refinancing to these lower ranges, depending on individual circumstances and loan terms. For more details, visit https://cccu.studentchoice.org/student-loan-refinance/.
TRUE COMMUNITY CREDIT UNION
As of October 22, 2025, TRUE COMMUNITY’s refinance student loan rates offer fixed APRs between 4.25% and 9.25%, with variable rates ranging from 7.25% to 11.00%. Since these are new listings, no prior rate trends are available; however, the fixed-rate option remains the most competitive for borrowers seeking stability. If your current student loan rate exceeds 8%, refinancing with TRUE COMMUNITY could provide meaningful savings. Always evaluate potential savings against any refinancing costs to ensure a net benefit. For more details, visit https://trueccu.studentchoice.org/student-loan-refinance/.
LendMesh
Whether you’re entering your first semester or finishing your last, LendMesh helps you secure the student loan that matches your moment. From tuition to textbooks, we’ve got the tools to help you borrow better. Explore your options now at https://www.lendmesh.com/loans/student_loans .
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Conclusion
If you’re considering refinancing your student loans, now is an excellent time to evaluate locking in these competitive rates before potential market shifts. Even modest APR differences can translate into significant savings over the life of your loan, especially on longer terms like Navigant’s 10- or 15-year fixed plans. Students and parents should pay close attention to program specifics such as fixed versus variable rates and eligibility criteria tied to professions like nursing. For those with fluctuating income or interest rate concerns, fixed-rate loans offer predictability and peace of mind. Be sure to compare multiple offers from credit unions like America’s Christian, Lake Trust, and Navigant to find the best fit for your financial goals. Taking action soon could secure favorable terms that ease repayment burdens down the road, explore prequalification options today and consult your financial advisor to make informed decisions tailored just for you.