Introduction
As of October 29, 2025, college students, parents, and graduates exploring student loan refinancing have several competitive options to consider. For those seeking the lowest fixed rates, America’s Christian Credit Union offers private refinance loans starting as low as 3.61% APR, making it an excellent choice for borrowers looking for stability. If you prefer variable rates, America’s Christian also leads with rates beginning at 3.63%. Nursing professionals can look to Lake Trust’s Nursing Loan Refinance program with fixed rates from 3.90%, catering specifically to healthcare fields. Among other notable fixed-rate options, Soarion and 4Front provide a straightforward 4.24% APR, while Lighthouse and St. Mary’s Bank offer EdvestinU refinance loans starting in the low 4% range. Variable rates tend to run slightly higher but remain competitive, with Soarion and 4Front both offering 5.75%. Across the board, this week’s data shows stable rates with no significant shifts in the past month, giving borrowers confidence to explore these programs without fear of sudden spikes.
Refinance - Student Loans
Credit Union
Product
2025-10-29
(Current Day)
(Current Day)
2025-10-22
(7 Days Ago)
(7 Days Ago)
2025-10-14
(15 Days Ago)
(15 Days Ago)
2025-09-29
(30 Days Ago)
(30 Days Ago)
2025-09-14
(45 Days Ago)
(45 Days Ago)
2025-08-30
(60 Days Ago)
(60 Days Ago)
2025-07-31
(90 Days Ago)
(90 Days Ago)
America's Christian Credit Union Private Refinance Loan (fixed) [Refinance]
3.61 - 11.47
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
3.63 - 11.47
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]
5.49 - 9.75
3.90 - 9.75▼ 159 bps
3.90 - 9.75▼ 159 bps
3.90 - 9.75▼ 159 bps
3.90 - 9.75▼ 159 bps
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 8.81
4.15 - 9.31
4.15 - 9.31
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 9.31
4.15 - 9.31
4.15 - 9.31
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 29, 2025, AMERICA'S CHRISTIAN maintains steady refinance rates with no changes over the past 30 days. The Private Refinance Loan (fixed) offers a competitive APR range of 3.61% to 11.47%, while the variable option ranges from 3.63% to 11.47%. With rates stable, borrowers currently paying above 8% APR should evaluate refinancing opportunities to potentially lower monthly payments or reduce interest costs. Steady pricing suggests favorable market conditions for locking in either fixed or variable terms depending on your financial goals. Consider refinancing if your current rate exceeds these ranges. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
LAKE TRUST CREDIT UNION
As of October 29, 2025, LAKE TRUST’s Nursing Loan Refinance fixed rates remain steady at 3.90% to 11.50%, showing no change over the past 30 days. The Student Loan Refinance fixed rates have risen from a low of 3.90% seven days ago to a current range of 5.49% to 9.75%, indicating an upward shift in the lower APR band. The Nursing Loan Refinance offers the most competitive starting rate at 3.90%, making it attractive for eligible borrowers. If your existing loan rate exceeds 8%, consider refinancing to potentially reduce your interest expenses, especially with stable Nursing Loan rates. For more details, visit https://laketrust.studentchoice.org/refinance/#rates,
LIGHTHOUSE FEDERAL CREDIT UNION
As of October 29, 2025, the LIGHTHOUSE EdvestinU Refinance Loan (fixed) offers rates ranging from 4.15% to 8.81% APR, holding steady compared to a week ago and improving by 50 bps at the upper end since 15 days prior. This fixed refinance option remains competitive for borrowers seeking stability and potential savings. Consider refinancing if your current rate exceeds 8%, as this product could lower your interest costs over time. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
As of October 29, 2025, ST. MARY'S BANK’s EdvestinU Refinance Loan (fixed) maintains a consistent APR range of 4.15% to 9.31%, unchanged over the past 30 days. This stability offers predictability for borrowers seeking to refinance. The product’s low starting rate at 4.15% APR remains one of the most competitive options available. Consider refinancing if your current student loan rate exceeds 8%, as locking in a fixed rate within this range could reduce long-term interest costs. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of October 29, 2025, SOARION’s Refinance Fixed Rate Loan remains steady at 4.24% APR, unchanged over the past 15 days. The Refinance Variable Rate Loan also holds firm at 5.75% APR with no movement in recent weeks. These stable rates offer competitive options for borrowers seeking to lower existing debt costs. Consider refinancing if your current loan rate exceeds 8%, as locking in a fixed rate near 4.24% could reduce long-term interest expenses. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
4FRONT CREDIT UNION
As of October 29, 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 rates represent competitive options for borrowers seeking to lower their interest costs without rate volatility for fixed loans or with potential savings on variable terms. Consider refinancing if your current loan rate exceeds 6%, as these stable rates may reduce your monthly payments and total interest paid. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
CITY & COUNTY CREDIT UNION
As of October 29, 2025, CITY & COUNTY's refinance student loan rates remain steady with fixed rates ranging from 4.24% to 13.24% and variable rates between 6.24% and 13.49%, unchanged over the past 30 days. The lowest fixed rate at 4.24% offers a competitive option for borrowers seeking predictability. Variable rates maintain a higher floor but provide flexibility if market conditions improve. Consider refinancing if your current rate exceeds 8%, as these stable ranges could reduce your overall interest costs. For more details, visit https://cccu.studentchoice.org/student-loan-refinance/.
TRUE COMMUNITY CREDIT UNION
As of October 29, 2025, TRUE COMMUNITY’s refinance student loan rates remain steady, with fixed APRs holding at 4.25% to 9.25% and variable APRs steady between 7.25% and 11.00% over the past week. These competitive fixed rates offer borrowers a reliable option for locking in lower payments, especially compared to typical market fluctuations. For those currently paying above 8%, consider refinancing to secure rates at or below this range, potentially lowering overall interest costs. Stability in these rates suggests a favorable environment for borrowers seeking predictable payments without rate increases. For more details, visit https://trueccu.studentchoice.org/student-loan-refinance/.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of October 29, 2025, STATE EMPLOYEES CU OF MARYLAND, INC offers a consistent Student Loan Refinance (fixed) APR range of 7.08% to 9.50%, unchanged over the past 15 days. This stable rate environment benefits borrowers seeking predictable payments. The lowest available APR at 7.08% remains competitive for refinancing options. Borrowers with current rates above 8% should consider refinancing, as locking in these fixed rates could reduce interest costs over time. Evaluate your loan terms carefully and proceed if potential savings exceed any refinancing fees.
CAPITAL CREDIT UNION
As of October 29, 2025, CAPITAL’s refinance student loan rates remain steady with the private variable rate at 4.47% APR and the private fixed rate at 4.49% APR, unchanged over the past week. These competitive rates offer borrowers a reliable option for lowering costs compared to typical higher-rate loans. Consider refinancing if your current student loan APR exceeds 8%, as CAPITAL’s stable rates could provide meaningful savings. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
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Conclusion
With interest rates holding steady across most credit unions, now is a smart time for eligible borrowers, especially those who value predictability, to consider locking in fixed-rate refinancing options like those at America’s Christian or Soarion around the mid-3% to low-4% APR range. Even small changes in APR can translate into meaningful savings over the life of a loan, so staying informed and acting promptly can make a big difference. Parents and graduates weighing variable-rate loans should watch for any upcoming market movements but can take comfort in current moderate ranges near 5.75%. To maximize benefits, review your credit union’s terms carefully and gather documentation early; applying sooner rather than later ensures access to today’s best rates before any market shifts occur. Whether refinancing or first-time borrowing, thoughtful timing combined with these transparent rate insights empowers families to manage education debt confidently and cost-effectively.