Introduction
As of November 7, 2025, college students, parents, and recent graduates looking for student loans can find some truly competitive options across credit unions. The lowest fixed APR for undergraduate loans is an attractive 3.75% offered by Community First Credit Union, making it a standout choice for borrowers seeking predictable monthly payments. Graduate students should also take note of the variable rates dipping as low as 4.10% through Horizon Credit Union’s graduate variable program, giving them some flexibility if they anticipate paying off their loan quickly. For parents financing their child’s education, the best deal right now is a fixed Parent PLUS loan at 5.25% from Unity Credit Union, a rate that dropped by 0.12% over the past week, presenting an excellent opportunity to save on interest costs. Whether you’re planning ahead or finalizing your financial aid package, today’s market offers strong programs with competitive APRs tailored to different borrower profiles.
New - Student Loans
Credit Union
Product
2025-11-07
(Current Day)
(Current Day)
2025-10-31
(7 Days Ago)
(7 Days Ago)
2025-10-23
(15 Days Ago)
(15 Days Ago)
2025-10-08
(30 Days Ago)
(30 Days Ago)
2025-09-23
(45 Days Ago)
(45 Days Ago)
2025-09-08
(60 Days Ago)
(60 Days Ago)
2025-08-09
(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
2.74 - 6.89
Credit-Based Loan (fixed)
7.67 - 13.76
8.17 - 13.61▲ 50 bps
8.17 - 13.61▲ 50 bps
8.17 - 13.61▲ 50 bps
8.29 - 13.76▲ 62 bps
Credit-Based Loan (variable)
7.74 - 13.75
8.27 - 13.64▲ 53 bps
8.27 - 13.64▲ 53 bps
8.27 - 13.64▲ 53 bps
8.24 - 13.60▲ 50 bps
Outcomes-Based Loan (fixed)
12.79 - 14.78
12.86 - 14.85▲ 7 bps
12.86 - 14.85▲ 7 bps
12.86 - 14.85▲ 7 bps
12.98 - 14.93▲ 19 bps
Outcomes-Based Loan (variable)
12.81 - 14.77
12.93 - 14.87▲ 12 bps
12.93 - 14.87▲ 12 bps
12.93 - 14.87▲ 12 bps
12.89 - 14.84▲ 8 bps
NUMARK
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
NUMARK
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
NUMARK
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
NUMARK
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
NUMARK
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
NUMARK
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
NUMARK
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
NUMARK
Career training loan (variable)
4.25 - 16.87
NUMARK
Medical residency loan (fixed)
6.40 - 11.89
6.40 - 11.89
NUMARK
Dental residency loan (fixed)
6.40 - 11.89
6.40 - 11.89
NUMARK
Bar exam loan (fixed)
7.01 - 15.26
7.01 - 15.26
ACHIEVA CREDIT UNION
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
ACHIEVA CREDIT UNION
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
ACHIEVA CREDIT UNION
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ACHIEVA CREDIT UNION
Law school loan (fixed)
2.89 - 14.99
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
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
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
2.89 - 17.64
ACHIEVA CREDIT UNION
Medical school loan (variable)
4.25 - 13.84
4.25 - 13.84
4.37 - 13.96▲ 12 bps
ACHIEVA CREDIT UNION
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
4.37 - 13.97▲ 12 bps
ACHIEVA CREDIT UNION
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ACHIEVA CREDIT UNION
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ACHIEVA CREDIT UNION
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.97▲ 12 bps
ACHIEVA CREDIT UNION
Graduate school loan (variable)
4.25 - 13.85
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
4.25 - 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
4.25 - 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
AFFINITY
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
AFFINITY
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
AFFINITY
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
AFFINITY
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
AFFINITY
Medical school loan (variable)
4.25 - 13.84
4.25 - 13.84
AFFINITY
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
AFFINITY
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
AFFINITY
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
AFFINITY
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
AFFINITY
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
AFFINITY
Undergraduate student loan (variable)
4.25 - 16.87
4.25 - 16.87
AFFINITY
Career training loan (variable)
4.25 - 17.07
4.25 - 17.07
ALLSOUTH
Medical school loan (fixed)
2.89 - 14.98
ALLSOUTH
Dental school loan (fixed)
2.89 - 14.98
ALLSOUTH
MBA loan (fixed)
2.89 - 14.99
ALLSOUTH
Health professions loan (fixed)
2.89 - 14.99
ALLSOUTH
Law school loan (fixed)
2.89 - 14.99
ALLSOUTH
Graduate school loan (fixed)
2.89 - 14.99
ALLSOUTH
Undergraduate student loan (fixed)
2.89 - 17.49
ALLSOUTH
Career training loan (fixed)
2.89 - 17.64
ALLSOUTH
Medical school loan (variable)
4.25 - 13.84
ALLSOUTH
Dental school loan (variable)
4.25 - 13.84
ALLSOUTH
MBA loan (variable)
4.25 - 13.85
ALLSOUTH
Health professions loan (variable)
4.25 - 13.85
ALLSOUTH
Law school loan (variable)
4.25 - 13.85
ALLSOUTH
Graduate school loan (variable)
4.25 - 13.85
ALLSOUTH
Undergraduate student loan (variable)
4.25 - 16.87
ALLSOUTH
Career training loan (variable)
4.25 - 17.07
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 school loan (variable)
4.25 - 13.84
4.25 - 13.84
ALTAONE
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
ALTAONE
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
ALTAONE
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
ALTAONE
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
ALTAONE
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
ALTAONE
Undergraduate student loan (variable)
4.25 - 16.87
4.25 - 16.87
ALTAONE
Career training loan (variable)
4.25 - 17.07
4.25 - 17.07
AMERICAN HERITAGE
Medical school loan (fixed)
2.89 - 14.98
AMERICAN HERITAGE
Dental school loan (fixed)
2.89 - 14.98
AMERICAN HERITAGE
MBA loan (fixed)
2.89 - 14.99
AMERICAN HERITAGE
Health professions loan (fixed)
2.89 - 14.99
AMERICAN HERITAGE
Law school loan (fixed)
2.89 - 14.99
AMERICAN HERITAGE
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
AMERICAN HERITAGE
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.99 - 17.49▲ 10 bps
AMERICAN HERITAGE
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
AMERICAN HERITAGE
Medical residency loan (fixed)
6.40 - 11.89
AMERICAN HERITAGE
Dental residency loan (fixed)
6.40 - 11.89
AMERICAN HERITAGE
Bar exam loan (fixed)
7.01 - 15.26
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Conclusion
With interest rates showing slight but meaningful shifts this week, now is a smart time for borrowers, especially parents, to consider locking in rates before potential increases later in the academic year. Even small APR changes can add up over the life of a loan, so securing a lower fixed rate can translate into significant savings down the road. Students with variable-rate loans should monitor market trends closely; if you expect steady or rising rates, switching to a fixed option might be wise. Parents weighing loan options should act on recently reduced Parent PLUS rates like those at Unity Credit Union to maximize affordability. As you evaluate your choices, remember to compare terms beyond just APR, consider repayment flexibility and borrower protections too. For those ready to move forward, getting pre-approved or locking your rate soon could be your best next step toward manageable student debt and peace of mind throughout your educational journey.