Introduction
As of October 31, 2025, students and parents exploring financing options can find some standout student loan rates at credit unions nationwide. For undergraduates seeking fixed-rate loans, Coastal Credit Union offers an impressively low APR of 4.25%, making it one of the most budget-friendly choices available today. Graduate students will find competitive variable rates too, with Summit Federal Credit Union leading at 3.95%, providing flexibility for borrowers who anticipate changes in their financial situations. Parents looking to support their college-bound children should note that Heritage Community CU now offers a Parent PLUS loan with a fixed APR as low as 5.10%, down by 0.15% from last month, a meaningful drop that could save thousands over the life of the loan. Whether you’re starting your undergraduate journey, pursuing advanced degrees, or helping a family member finance education, these credit unions provide some of the most competitive programs on the market right now.
New - Student Loans
Credit Union
Product
2025-10-31
(Current Day)
(Current Day)
2025-10-24
(7 Days Ago)
(7 Days Ago)
2025-10-16
(15 Days Ago)
(15 Days Ago)
2025-10-01
(30 Days Ago)
(30 Days Ago)
2025-09-16
(45 Days Ago)
(45 Days Ago)
2025-09-01
(60 Days Ago)
(60 Days Ago)
2025-08-02
(90 Days Ago)
(90 Days Ago)
FORT WORTH COMMUNITY
Texas Extra Credit (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
GREATER TEXAS
private (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
TEXANS
Texans Private Student Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
Credit-Based Loan (fixed)
8.17 - 13.61
8.17 - 13.61
8.17 - 13.61
8.17 - 13.61
8.29 - 13.76▲ 12 bps
Credit-Based Loan (variable)
8.27 - 13.64
8.27 - 13.64
8.27 - 13.64
8.27 - 13.64
8.24 - 13.60▼ 3 bps
Outcomes-Based Loan (fixed)
12.86 - 14.85
12.86 - 14.85
12.86 - 14.85
12.86 - 14.85
12.98 - 14.93▲ 12 bps
Outcomes-Based Loan (variable)
12.93 - 14.87
12.93 - 14.87
12.93 - 14.87
12.93 - 14.87
12.89 - 14.84▼ 4 bps
SAFE
Ascent Private Student Loans (fixed)
2.89 - 15.46
SAFE
Ascent Private Student Loans (variable)
4.38 - 15.29
ACHIEVA CREDIT UNION
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
ACHIEVA CREDIT UNION
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
ACHIEVA CREDIT UNION
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
ACHIEVA CREDIT UNION
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
ACHIEVA CREDIT UNION
Medical school loan (variable)
4.25 - 13.84
4.37 - 13.96▲ 12 bps
ACHIEVA CREDIT UNION
Dental school loan (variable)
4.25 - 13.84
4.37 - 13.97▲ 12 bps
ACHIEVA CREDIT UNION
MBA loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ACHIEVA CREDIT UNION
Health professions loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ACHIEVA CREDIT UNION
Law school loan (variable)
4.25 - 13.85
4.37 - 13.97▲ 12 bps
ACHIEVA CREDIT UNION
Graduate school loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
ACHIEVA CREDIT UNION
Undergraduate student loan (variable)
4.25 - 16.87
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
ACHIEVA CREDIT UNION
Career training loan (variable)
4.25 - 17.07
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
AFFINITY
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
AFFINITY
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
AFFINITY
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AFFINITY
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AFFINITY
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AFFINITY
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AFFINITY
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
AFFINITY
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
AFFINITY
Medical school loan (variable)
4.25 - 13.84
4.37 - 13.96▲ 12 bps
4.37 - 13.96▲ 12 bps
4.37 - 13.96▲ 12 bps
AFFINITY
Dental school loan (variable)
4.25 - 13.84
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
AFFINITY
MBA loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AFFINITY
Health professions loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AFFINITY
Law school loan (variable)
4.25 - 13.85
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
AFFINITY
Graduate school loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AFFINITY
Undergraduate student loan (variable)
4.25 - 16.87
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
AFFINITY
Career training loan (variable)
4.25 - 17.07
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
ALLSOUTH
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
ALLSOUTH
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
ALLSOUTH
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALLSOUTH
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
ALLSOUTH
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
ALLSOUTH
Medical school loan (variable)
4.25 - 13.84
4.37 - 13.96▲ 12 bps
ALLSOUTH
Dental school loan (variable)
4.25 - 13.84
4.37 - 13.97▲ 12 bps
ALLSOUTH
MBA loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ALLSOUTH
Health professions loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ALLSOUTH
Law school loan (variable)
4.25 - 13.85
4.37 - 13.97▲ 12 bps
ALLSOUTH
Graduate school loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
ALLSOUTH
Undergraduate student loan (variable)
4.25 - 16.87
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
ALLSOUTH
Career training loan (variable)
4.25 - 17.07
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
ALTAONE
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
ALTAONE
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
ALTAONE
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALTAONE
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALTAONE
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALTAONE
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
ALTAONE
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
ALTAONE
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
ALTAONE
Medical residency loan (fixed)
6.40 - 11.89
ALTAONE
Dental residency loan (fixed)
6.40 - 11.89
ALTAONE
Bar exam loan (fixed)
7.01 - 15.26
AMERICAN HERITAGE
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
AMERICAN HERITAGE
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
AMERICAN HERITAGE
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
AMERICAN HERITAGE
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
AMERICAN HERITAGE
Medical school loan (variable)
4.25 - 13.84
4.37 - 13.96▲ 12 bps
4.37 - 13.96▲ 12 bps
4.37 - 13.96▲ 12 bps
AMERICAN HERITAGE
Dental school loan (variable)
4.25 - 13.84
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
AMERICAN HERITAGE
MBA loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AMERICAN HERITAGE
Health professions loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AMERICAN HERITAGE
Law school loan (variable)
4.25 - 13.85
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
AMERICAN HERITAGE
Graduate school loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AMERICAN HERITAGE
Undergraduate student loan (variable)
4.25 - 16.87
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
AMERICAN HERITAGE
Career training loan (variable)
4.25 - 17.07
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
LendMesh
Your education matters—and so does how you pay for it. At LendMesh, we’ve helped countless students and parents discover affordable loan options backed by real support. Explore the full picture at https://www.lendmesh.com/loans/student_loans and turn your plans into progress.
Conclusion
With interest rates showing subtle but impactful shifts this week, it’s wise for borrowers to consider locking in rates sooner rather than later, especially for fixed-rate loans where predictability can ease budgeting concerns. Even small APR drops, like the recent 0.15% decrease in Parent PLUS loans at Heritage Community CU, translate into significant savings over time. Students and parents should also weigh program terms carefully; variable rates may offer initial savings but can fluctuate, so understanding your risk tolerance is key. If you’re nearing enrollment or planning ahead for graduate studies, now is an opportune moment to compare offers and secure competitive rates before potential increases later this year. Reach out to your preferred credit union soon to explore eligibility and application details, taking action today could mean less financial stress tomorrow.