Introduction
As of November 5, 2025, college students, parents, and graduates exploring refinancing options can find some of the most competitive student loan rates available at credit unions nationwide. For those seeking the lowest fixed refinance rates, America’s Christian Credit Union stands out with rates starting as low as 3.61% APR, perfect for borrowers prioritizing stable monthly payments. Variable rate options are similarly attractive, also beginning around 3.63% APR at the same institution. Nursing professionals looking to refinance can consider Lake Trust’s Nursing Loan Refinance program, offering rates from 3.90% APR fixed. For shorter-term refinances, Navigant Credit Union presents compelling fixed-rate plans starting at 3.99% APR for a 5-year term, ideal for borrowers aiming to pay off debt quickly. Meanwhile, steady fixed-rate options around 4.47% to 4.49% APR are available across several credit unions like Capital, Cyprus, Mainstreet, and Topline Financial, providing consistent choices for variable or fixed loans alike. Today’s data shows stability in rates over the past two weeks with no significant shifts, making this a solid time to explore refinancing and secure manageable repayment terms.
Refinance - Student Loans
Credit Union
Product
2025-11-05
(Current Day)
(Current Day)
2025-10-29
(7 Days Ago)
(7 Days Ago)
2025-10-21
(15 Days Ago)
(15 Days Ago)
2025-10-06
(30 Days Ago)
(30 Days Ago)
2025-09-21
(45 Days Ago)
(45 Days Ago)
2025-09-06
(60 Days Ago)
(60 Days Ago)
2025-08-07
(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
Student Loan Refinance (fixed) [Refinance]
5.49 - 9.75
5.49 - 9.75
3.90 - 9.75▼ 159 bps
3.90 - 9.75▼ 159 bps
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 8.81
4.15 - 8.81
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
7.08 - 9.50
AMERICA'S CHRISTIAN CREDIT UNION
As of November 5, 2025, America's Christian Credit Union's Private Refinance Loan rates remain steady, with fixed APRs ranging from 3.61% to 11.47% and variable APRs between 3.63% and 11.47%, unchanged over the past 30 days. The lowest fixed rate at 3.61% offers a competitive option for borrowers seeking predictable payments, while the variable rate starting at 3.63% may benefit those comfortable with potential fluctuations. Consider refinancing if your current rate exceeds 8%, as these stable rates could lower your overall loan costs. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
LAKE TRUST CREDIT UNION
As of November 5, 2025, LAKE TRUST’s Nursing Loan Refinance (fixed) rates remain steady between 3.90% and 11.50%, showing no change over the past 15 days. The Student Loan Refinance (fixed) product holds a range of 5.49% to 9.75%, with the lowest rate increasing from 3.90% fifteen days ago to today’s minimum of 5.49%. This marks a notable rise in the most competitive refinance option recently. Borrowers with current rates above 8% should consider refinancing now to potentially reduce their interest expenses despite slight increases in entry-level APRs. For more details, visit https://laketrust.studentchoice.org/refinance/#rates,
NAVIGANT CREDIT UNION
As of November 5, 2025, NAVIGANT’s refinance student loan rates remain steady with no prior data for direct comparison. The most competitive option is the 5-Year fixed refinance loan at 3.99% to 7.89% APR, offering the lowest starting rate among available terms. Longer terms include the 10-Year fixed at 4.74% to 7.99% APR and the 15-Year fixed at 4.99% to 8.04% APR. The Pay Later fixed refinance loan ranges from 5.99% to 8.99% APR, suitable for borrowers seeking delayed payments but at higher rates. Consider refinancing if your current rate exceeds 8%, as NAVIGANT’s fixed options provide competitive savings potential. For more details, visit https://www.risla.com/refi-student-loans-navigant.
LIGHTHOUSE FEDERAL CREDIT UNION
The EdvestinU Refinance Loan (fixed) offered by LIGHTHOUSE maintains a competitive APR range of 4.15% to 8.81%, stable compared to both 7 and 15 days ago, with a notable improvement from the previous 9.31% high seen 15 days back. This consistent rate environment benefits borrowers seeking reliable refinancing options. Consider refinancing if your current loan rate exceeds 8%, as this product offers attractive fixed rates that can reduce your monthly payments and overall interest costs. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
SOARION FEDERAL CREDIT UNION
As of November 5, 2025, SOARION’s Refinance Fixed Rate Loan remains steady at 4.24% APR, showing no change over the past 30 days. The Refinance Variable Rate Loan also holds firm at 5.75% APR with no movement in the last month. These stable rates offer competitive options for borrowers seeking to lower their student loan costs. Consider refinancing if your current rate exceeds these benchmarks, as locking in a fixed rate near 4.24% could provide predictable savings and budget stability. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of November 5, 2025, Student Loan Refinance (fixed) rates at STATE EMPLOYEES CU OF MARYLAND, INC remain steady between 7.08% and 9.50% APR, showing no change over the past 30 days. This consistency offers predictability for borrowers seeking to lower their interest costs. With no recent rate increases or decreases, this product remains competitive for refinancing existing student loans. Consider refinancing if your current rate exceeds 8%, as locking in a fixed rate within this range could reduce your overall loan expenses. Maintaining stable rates simplifies budgeting and financial planning for both students and parents.
CAPITAL CREDIT UNION
As of November 5, 2025, CAPITAL's refinance student loan rates remain steady with the private variable APR at 4.47% and the private fixed APR at 4.49%, showing no change over the past 30 days. These rates are competitive within today’s market, offering solid options for borrowers seeking to lower costs. Consider refinancing if your current rate exceeds 8%, as these products provide notable savings potential without recent rate volatility. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
CYPRUS FEDERAL CREDIT UNION
As of November 5, 2025, CYPRUS’s refinance student loan rates are newly available with a variable rate at 4.47% APR and a fixed rate at 4.49% APR. These competitive rates provide a solid option for borrowers seeking to lower their current student loan costs. Since no prior data exists for comparison, these fresh rates set a baseline for refinancing decisions. Borrowers with existing loans above 8% APR should consider refinancing now, as these rates may offer substantial savings over time. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of November 5, 2025, MAINSTREET’s refinance student loan rates remain steady, with the Variable Rate at 4.47% and the Fixed Rate at 4.49%, unchanged over the past week. These competitive APRs offer consistent options for borrowers seeking to lower their current loan costs. If your existing rate exceeds 8%, refinancing with MAINSTREET could reduce your interest burden effectively. Stability in these rates suggests a reliable environment for refinancing decisions. Consider refinancing if potential savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of November 5, 2025, TOPLINE FINANCIAL’s refinance student loan rates remain steady with a variable APR at 4.47% and a fixed APR at 4.49%, unchanged over the past 15 days. These competitive rates offer an opportunity for borrowers looking to lower their costs, especially if current loan rates exceed 8%. With no recent fluctuations, borrowers can confidently evaluate refinancing options knowing these stable rates may lead to significant savings over time. Consider refinancing if your existing rate is substantially higher than these offers. For more details, visit https://partner.lendkey.com/topline/refinance.
LendMesh
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Conclusion
With interest rates holding steady this week, now is an excellent opportunity for students and parents to consider locking in competitive refinance rates before potential market fluctuations arise. Even small differences in APR, sometimes just a fraction of a percent, can translate into substantial savings over the life of a loan. Borrowers with stable credit profiles should prioritize programs offering fixed rates for predictable budgeting, such as America’s Christian or Navigant Credit Unions’ refinance loans. Those comfortable with variable rates might benefit from slightly lower initial costs but should stay vigilant about future rate changes. Parents refinancing Parent PLUS loans or graduates seeking shorter terms should evaluate their repayment timelines carefully to maximize savings without stretching finances thin. To move forward confidently, compare offers side-by-side and reach out to credit unions with questions about eligibility and terms. Taking action now could mean locking in your best possible student loan rate, an important step toward financial peace of mind during your educational journey and beyond.