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
| Lender | Product | 2025-10-31 Current | 2025-10-24 7 Days Ago | 2025-10-16 15 Days Ago | 2025-10-01 30 Days Ago | 2025-09-16 45 Days Ago | 2025-09-01 60 Days Ago | 2025-08-02 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| FORT WORTH COMMUNITYLOWEST | Texas Extra Credit (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | N/A |
| GREATER TEXASLOWEST | private (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | N/A |
| TEXANSLOWEST | 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% | N/A | N/A |
| SAFE | Ascent Private Student Loans (fixed) | 2.89 - 15.46% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | N/A |
| ACHIEVA CREDIT UNION | Career training loan (fixed) | 2.89 - 17.64% | N/A | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | N/A |
| AFFINITY | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A |
| AFFINITY | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A |
| AFFINITY | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A |
| AFFINITY | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A |
| AFFINITY | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A |
| AFFINITY | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A |
| AFFINITY | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | N/A |
| AFFINITY | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | N/A | 2.89 - 17.64% | N/A |
| ALLSOUTH | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| 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% | N/A | N/A |
| 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% | N/A | N/A |
| 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% | N/A | N/A |
| ALTAONE | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A |
| AMERICAN HERITAGE | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | N/A | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A |
| AMERICAN HERITAGE | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | N/A | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | N/A | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| AMERICAN HERITAGE | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (variable) | 4.25 - 13.84% | N/A | 4.37 - 13.96% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (variable) | 4.25 - 13.84% | N/A | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (variable) | 4.25 - 13.85% | N/A | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (variable) | 4.25 - 13.85% | N/A | 4.37 - 13.98% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (variable) | 4.25 - 13.85% | N/A | 4.37 - 13.97% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (variable) | 4.25 - 13.85% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (variable) | 4.25 - 16.87% | N/A | 4.37 - 16.99% | 4.37 - 16.99% | N/A | 4.37 - 16.99% | N/A |
| ACHIEVA CREDIT UNION | Career training loan (variable) | 4.25 - 17.07% | N/A | 4.37 - 17.18% | 4.37 - 17.18% | N/A | 4.37 - 17.18% | N/A |
| AFFINITY | Medical school loan (variable) | 4.25 - 13.84%▼ 12 bps | 4.37 - 13.96% | N/A | 4.37 - 13.96% | N/A | 4.37 - 13.96% | N/A |
| AFFINITY | Dental school loan (variable) | 4.25 - 13.84%▼ 12 bps | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A |
| AFFINITY | MBA loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A |
| AFFINITY | Health professions loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A |
| AFFINITY | Law school loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A | 4.37 - 13.97% | N/A |
| AFFINITY | Graduate school loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A | 4.37 - 13.98% | N/A |
| AFFINITY | Undergraduate student loan (variable) | 4.25 - 16.87%▼ 12 bps | 4.37 - 16.99% | N/A | 4.37 - 16.99% | N/A | 4.37 - 16.99% | N/A |
| AFFINITY | Career training loan (variable) | 4.25 - 17.07%▼ 12 bps | 4.37 - 17.18% | N/A | 4.37 - 17.18% | N/A | 4.37 - 17.18% | N/A |
| ALLSOUTH | Medical school loan (variable) | 4.25 - 13.84%▼ 12 bps | 4.37 - 13.96% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (variable) | 4.25 - 13.84%▼ 12 bps | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.97% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Graduate school loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (variable) | 4.25 - 16.87%▼ 12 bps | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% | N/A | N/A |
| ALLSOUTH | Career training loan (variable) | 4.25 - 17.07%▼ 12 bps | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% | N/A | N/A |
| AMERICAN HERITAGE | Medical school loan (variable) | 4.25 - 13.84%▼ 12 bps | 4.37 - 13.96% | N/A | 4.37 - 13.96% | 4.37 - 13.96% | N/A | N/A |
| AMERICAN HERITAGE | Dental school loan (variable) | 4.25 - 13.84%▼ 12 bps | 4.37 - 13.97% | N/A | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A |
| AMERICAN HERITAGE | MBA loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A |
| AMERICAN HERITAGE | Health professions loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A |
| AMERICAN HERITAGE | Law school loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.97% | N/A | 4.37 - 13.97% | 4.37 - 13.97% | N/A | N/A |
| AMERICAN HERITAGE | Graduate school loan (variable) | 4.25 - 13.85%▼ 12 bps | 4.37 - 13.98% | N/A | 4.37 - 13.98% | 4.37 - 13.98% | N/A | N/A |
| AMERICAN HERITAGE | Undergraduate student loan (variable) | 4.25 - 16.87%▼ 12 bps | 4.37 - 16.99% | N/A | 4.37 - 16.99% | 4.37 - 16.99% | N/A | N/A |
| AMERICAN HERITAGE | Career training loan (variable) | 4.25 - 17.07%▼ 12 bps | 4.37 - 17.18% | N/A | 4.37 - 17.18% | 4.37 - 17.18% | N/A | N/A |
| SAFE | Ascent Private Student Loans (variable) | 4.38 - 15.29% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Medical residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Dental residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 8.17 - 13.61% | 8.17 - 13.61% | 8.17 - 13.61% | 8.17 - 13.61% | 8.29 - 13.76% | N/A | N/A |
| — | Credit-Based Loan (variable) | 8.27 - 13.64% | 8.27 - 13.64% | 8.27 - 13.64% | 8.27 - 13.64% | 8.24 - 13.60% | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 14.85% | 12.86 - 14.85% | 12.86 - 14.85% | 12.86 - 14.85% | 12.98 - 14.93% | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.93 - 14.87% | 12.93 - 14.87% | 12.93 - 14.87% | 12.93 - 14.87% | 12.89 - 14.84% | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
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.