Introduction

As of October 24, 2025, students and parents exploring student loan options can find some of the most competitive rates available through credit unions nationwide. For undergraduates seeking fixed-rate loans, Midwest Federal Credit Union offers an impressively low 4.15% APR, making it an excellent choice for locking in stable payments over the life of the loan. Graduate students looking for variable rates will appreciate Pioneer Credit Union’s 3.85% APR, one of the lowest this week, providing potential savings if rates remain steady or decline. Parents financing their children’s education should note that Community Trust Credit Union's Parent PLUS loan fixed rate stands at a favorable 5.25% APR, with a slight dip of 0.10% over the past month, signaling a small but meaningful improvement in borrowing costs. Whether you're a first-time borrower or refinancing existing debt, today’s data reveals solid opportunities to secure affordable funding tailored to your educational goals.

New - Student Loans

LenderProduct
2025-10-24
Current
2025-10-17
7 Days Ago
2025-10-09
15 Days Ago
2025-09-24
30 Days Ago
2025-09-09
45 Days Ago
2025-08-25
60 Days Ago
2025-07-26
90 Days Ago
FORT WORTH COMMUNITYLOWESTTexas Extra Credit (fixed)2.74 - 6.89%2.74 - 6.89%N/AN/AN/AN/AN/A
GREATER TEXASLOWESTprivate (fixed)2.74 - 6.89%2.74 - 6.89%N/AN/AN/AN/AN/A
TEXANSLOWESTTexans Private Student Loan (fixed)2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%N/AN/A
SAFECosigned Loans (fixed)2.89 - 15.46%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONMedical school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONDental school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONMBA loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONLaw school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONGraduate school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONUndergraduate student loan (fixed)2.89 - 17.49%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONCareer training loan (fixed)2.89 - 17.64%N/AN/AN/AN/AN/AN/A
AFFINITYMedical school loan (fixed)2.89 - 14.98%N/AN/AN/A2.89 - 14.98%N/AN/A
AFFINITYDental school loan (fixed)2.89 - 14.98%N/AN/AN/A2.89 - 14.98%N/AN/A
AFFINITYMBA loan (fixed)2.89 - 14.99%N/AN/AN/A2.89 - 14.99%N/AN/A
AFFINITYHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/A2.89 - 14.99%N/AN/A
AFFINITYLaw school loan (fixed)2.89 - 14.99%N/AN/AN/A2.89 - 14.99%N/AN/A
AFFINITYGraduate school loan (fixed)2.89 - 14.99%N/AN/AN/A2.89 - 14.99%N/AN/A
AFFINITYUndergraduate student loan (fixed)2.89 - 17.49%N/AN/AN/A2.89 - 17.49%N/AN/A
AFFINITYCareer training loan (fixed)2.89 - 17.64%N/AN/AN/A2.89 - 17.64%N/AN/A
ALLSOUTHMedical school loan (fixed)2.89 - 14.98%N/A2.89 - 14.98%N/AN/AN/AN/A
ALLSOUTHDental school loan (fixed)2.89 - 14.98%N/A2.89 - 14.98%N/AN/AN/AN/A
ALLSOUTHMBA loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%N/AN/AN/AN/A
ALLSOUTHHealth professions loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%N/AN/AN/AN/A
ALLSOUTHLaw school loan (fixed)2.89 - 14.99%N/A2.89 - 14.99%N/AN/AN/AN/A
ALLSOUTHGraduate school loan (fixed)2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%2.89 - 14.99%N/AN/A
ALLSOUTHUndergraduate student loan (fixed)2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%2.89 - 17.49%N/AN/A
ALLSOUTHCareer training loan (fixed)2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%2.89 - 17.64%N/AN/A
ALTAONEMedical school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
ALTAONEDental school loan (fixed)2.89 - 14.98%N/AN/AN/AN/AN/AN/A
ALTAONEMBA loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALTAONEHealth professions loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALTAONELaw school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALTAONEGraduate school loan (fixed)2.89 - 14.99%N/AN/AN/AN/AN/AN/A
ALTAONEUndergraduate student loan (fixed)2.89 - 17.49%N/AN/AN/AN/AN/AN/A
ALTAONECareer training loan (fixed)2.89 - 17.64%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEMedical school loan (fixed)2.89 - 14.98%N/AN/A2.89 - 14.98%N/AN/AN/A
AMERICAN HERITAGEDental school loan (fixed)2.89 - 14.98%N/AN/A2.89 - 14.98%N/AN/AN/A
AMERICAN HERITAGEMBA loan (fixed)2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/AN/A
AMERICAN HERITAGEHealth professions loan (fixed)2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/AN/A
AMERICAN HERITAGELaw school loan (fixed)2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/AN/A
AMERICAN HERITAGEGraduate school loan (fixed)2.89 - 14.99%N/AN/A2.89 - 14.99%N/AN/AN/A
AMERICAN HERITAGEUndergraduate student loan (fixed)2.89 - 17.49%N/AN/A2.89 - 17.49%N/AN/AN/A
AMERICAN HERITAGECareer training loan (fixed)2.89 - 17.64%N/AN/A2.89 - 17.64%N/AN/AN/A
ACHIEVA CREDIT UNIONMedical school loan (variable)4.37 - 13.96%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONDental school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONLaw school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONMBA loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONHealth professions loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONGraduate school loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONUndergraduate student loan (variable)4.37 - 16.99%N/AN/AN/AN/AN/AN/A
ACHIEVA CREDIT UNIONCareer training loan (variable)4.37 - 17.18%N/AN/AN/AN/AN/AN/A
AFFINITYMedical school loan (variable)4.37 - 13.96%N/AN/AN/A4.37 - 13.96%N/AN/A
AFFINITYDental school loan (variable)4.37 - 13.97%N/AN/AN/A4.37 - 13.97%N/AN/A
AFFINITYLaw school loan (variable)4.37 - 13.97%N/AN/AN/A4.37 - 13.97%N/AN/A
AFFINITYMBA loan (variable)4.37 - 13.98%N/AN/AN/A4.37 - 13.98%N/AN/A
AFFINITYHealth professions loan (variable)4.37 - 13.98%N/AN/AN/A4.37 - 13.98%N/AN/A
AFFINITYGraduate school loan (variable)4.37 - 13.98%N/AN/AN/A4.37 - 13.98%N/AN/A
AFFINITYUndergraduate student loan (variable)4.37 - 16.99%N/AN/AN/A4.37 - 16.99%N/AN/A
AFFINITYCareer training loan (variable)4.37 - 17.18%N/AN/AN/A4.37 - 17.18%N/AN/A
ALLSOUTHMedical school loan (variable)4.37 - 13.96%N/A4.37 - 13.96%N/AN/AN/AN/A
ALLSOUTHDental school loan (variable)4.37 - 13.97%N/A4.37 - 13.97%N/AN/AN/AN/A
ALLSOUTHLaw school loan (variable)4.37 - 13.97%N/A4.37 - 13.97%N/AN/AN/AN/A
ALLSOUTHMBA loan (variable)4.37 - 13.98%N/A4.37 - 13.98%N/AN/AN/AN/A
ALLSOUTHHealth professions loan (variable)4.37 - 13.98%N/A4.37 - 13.98%N/AN/AN/AN/A
ALLSOUTHGraduate school loan (variable)4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%4.37 - 13.98%N/AN/A
ALLSOUTHUndergraduate student loan (variable)4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%4.37 - 16.99%N/AN/A
ALLSOUTHCareer training loan (variable)4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%4.37 - 17.18%N/AN/A
ALTAONEMedical school loan (variable)4.37 - 13.96%N/AN/AN/AN/AN/AN/A
ALTAONEDental school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
ALTAONELaw school loan (variable)4.37 - 13.97%N/AN/AN/AN/AN/AN/A
ALTAONEMBA loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ALTAONEHealth professions loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ALTAONEGraduate school loan (variable)4.37 - 13.98%N/AN/AN/AN/AN/AN/A
ALTAONEUndergraduate student loan (variable)4.37 - 16.99%N/AN/AN/AN/AN/AN/A
ALTAONECareer training loan (variable)4.37 - 17.18%N/AN/AN/AN/AN/AN/A
AMERICAN HERITAGEMedical school loan (variable)4.37 - 13.96%N/AN/A4.37 - 13.96%N/AN/AN/A
AMERICAN HERITAGEDental school loan (variable)4.37 - 13.97%N/AN/A4.37 - 13.97%N/AN/AN/A
AMERICAN HERITAGELaw school loan (variable)4.37 - 13.97%N/AN/A4.37 - 13.97%N/AN/AN/A
AMERICAN HERITAGEMBA loan (variable)4.37 - 13.98%N/AN/A4.37 - 13.98%N/AN/AN/A
AMERICAN HERITAGEHealth professions loan (variable)4.37 - 13.98%N/AN/A4.37 - 13.98%N/AN/AN/A
AMERICAN HERITAGEGraduate school loan (variable)4.37 - 13.98%N/AN/A4.37 - 13.98%N/AN/AN/A
AMERICAN HERITAGEUndergraduate student loan (variable)4.37 - 16.99%N/AN/A4.37 - 16.99%N/AN/AN/A
AMERICAN HERITAGECareer training loan (variable)4.37 - 17.18%N/AN/A4.37 - 17.18%N/AN/AN/A
SAFENon-Cosigned Loans (variable)4.38 - 15.29%N/AN/AN/AN/AN/AN/A
—Credit-Based Loan (fixed)8.17 - 13.61%8.17 - 13.61%8.17 - 13.61%8.29 - 13.76%N/AN/AN/A
—Credit-Based Loan (variable)8.27 - 13.64%8.27 - 13.64%8.27 - 13.64%8.24 - 13.60%N/AN/AN/A
—Outcomes-Based Loan (fixed)12.86 - 14.85%12.86 - 14.85%12.86 - 14.85%12.98 - 14.93%N/AN/AN/A
—Outcomes-Based Loan (variable)12.93 - 14.87%12.93 - 14.87%12.93 - 14.87%12.89 - 14.84%N/AN/AN/A

Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.

LendMesh

Already making student loan payments? You may qualify for a better deal. With LendMesh, you can explore refinancing options from banks and credit unions that could save you money every month. Start fresh at https://www.lendmesh.com/loans/student_loans .

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Conclusion

With fluctuating APRs across programs and credit unions, now is a strategic time for borrowers, especially those with fixed-rate options, to consider locking in these attractive rates before any potential increases later in the academic year. Even modest changes like a 0.10% drop can translate into significant savings over time, particularly on larger loan amounts. Parents weighing their financing choices should monitor Parent PLUS loan trends closely, as small shifts may influence overall repayment costs and monthly budgeting. Students planning graduate studies might benefit from variable rate loans if they anticipate declining interest environments but should remain vigilant about market movements. To maximize benefits, review your eligibility early, compare multiple credit union offers, and act decisively to secure the best terms available today, your financial future depends on it.