Introduction
As of November 12, 2025, college students, parents, and graduates exploring student loan refinancing have some compelling options to consider. If you’re seeking the lowest rates, America’s Christian Credit Union offers standout fixed refinance loans starting as low as 3.61% APR, paired with variable rates from 3.63% APR, some of the most competitive in today’s market. For those in nursing or specialized fields, Lake Trust’s Nursing Loan Refinance fixed program begins at a respectable 3.90% APR, maintaining steady terms over the past month. Meanwhile, credit unions like Navigant and Lighthouse provide solid fixed-rate refinance loans in the mid-4% range, perfect for borrowers prioritizing stability. Variable rate options remain available with competitive offerings around 4.39% to 5.75% APR from institutions including 1st Advantage and Soarion. Whether you prefer fixed certainty or variable flexibility, these credit unions present diverse choices tailored to your financial goals.
Refinance - Student Loans
Credit Union
Product
2025-11-12
(Current Day)
(Current Day)
2025-11-05
(7 Days Ago)
(7 Days Ago)
2025-10-28
(15 Days Ago)
(15 Days Ago)
2025-10-13
(30 Days Ago)
(30 Days Ago)
2025-09-28
(45 Days Ago)
(45 Days Ago)
2025-09-13
(60 Days Ago)
(60 Days Ago)
2025-08-14
(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
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
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 - 8.81
Variable Rate (variable) [Refinance]
4.39
4.47▲ 8 bps
4.47▲ 8 bps
4.47▲ 8 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of November 12, 2025, AMERICA'S CHRISTIAN Credit Union’s refinance student loan rates remain stable, with fixed APRs ranging from 3.61% to 11.47% and variable APRs from 3.63% to 11.47%, unchanged over the past 30 days. These competitive rates offer consistent options for borrowers seeking credit-based or cosigned refinancing. Consider refinancing if your current rate exceeds 8%, as these steady low-end rates could reduce your interest costs without added risk of rate increases on fixed loans. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
LAKE TRUST CREDIT UNION
As of November 12, 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 hold at 5.49% to 9.75%, with a notable increase from 3.90% at the lower end over the last month. The Nursing Loan Refinance offers the most competitive low-end APR today. Borrowers with current rates above 8% should consider refinancing to potentially reduce interest costs. For more details, visit https://laketrust.studentchoice.org/refinance/#rates,
NAVIGANT CREDIT UNION
As of November 12, 2025, NAVIGANT’s Fixed Student Loan Refinance rates start at a competitive 4.99% APR, offering the lowest entry point among current options. The Pay Later fixed refinance product remains steady with rates from 5.99% to 8.99% APR, unchanged over the past 15 days. With no recent rate fluctuations, these stable offers provide predictable borrowing costs. Borrowers with existing loans above 8% APR should consider refinancing now to secure lower fixed rates and reduce interest expenses over time. For more details, visit https://www.risla.com/refi-student-loans-navigant.
LIGHTHOUSE FEDERAL CREDIT UNION
The EdvestinU Refinance Loan from LIGHTHOUSE maintains a steady APR range of 4.15% to 8.81% over the past 30 days, showing no rate fluctuations. This stable pricing offers borrowers a reliable option for refinancing existing student loans. With rates starting as low as 4.15%, this product remains competitive for those seeking to lower their interest costs. Consider refinancing if your current loan rate exceeds 8%, as this could provide meaningful savings without the risk of rising rates. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
4FRONT CREDIT UNION
As of November 12, 2025, 4FRONT's Fixed Rate Refinance Loan remains steady at a competitive 4.24% APR, unchanged over the past week. The Variable Rate Refinance Loan also holds firm at 5.75% APR with no recent fluctuations. These rates represent some of the lowest available for student loan refinancing today. Borrowers with current rates above 8% should consider refinancing to secure significant savings. Stability in these refinance rates provides a clear opportunity for cost reduction without immediate rate risk. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
SOARION FEDERAL CREDIT UNION
As of November 12, 2025, SOARION’s refinance student loan rates remain stable with the Refinance Fixed Rate Loan at 4.24% APR and the Variable Rate Loan at 5.75% APR, unchanged over the past 30 days. The fixed option offers the most competitive and predictable rate for borrowers seeking consistency, while the variable loan may suit those anticipating rate declines. Consider refinancing if your current rate exceeds 8%, as SOARION’s fixed rates provide substantial savings without recent volatility. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
CITY & COUNTY CREDIT UNION
As of November 12, 2025, CITY & COUNTY’s Student Loan Refinance fixed rates start at 4.24% APR, with variable rates beginning similarly at 4.24% APR, offering competitive entry points for borrowers. Since no prior rate data is available, no trend changes can be reported. These refinance options provide flexibility for borrowers looking to lower their current student loan interest, especially if existing rates exceed 8%. Fixed rates provide payment stability, while variable rates may benefit those expecting to pay off loans faster. Consider refinancing if your current loan rate is above this range and potential savings outweigh any fees. For more details, visit https://cccu.studentchoice.org/student-loan-refinance/.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of November 12, 2025, 1ST ADVANTAGE's refinance rates remain stable with a slight improvement in the variable option. The Variable Rate dropped from 4.47% to 4.39%, marking an 8 bps decrease over the past week and maintaining a consistent trend over 30 days. Meanwhile, the Fixed Rate holds steady at 4.49%, improving slightly from 4.54% thirty days ago. For borrowers with current rates above 8%, refinancing at these competitive APRs could reduce interest costs significantly. Consider your long-term plans when choosing between fixed and variable options to optimize savings. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of November 12, 2025, CAPITAL's refinance student loan rates remain stable with slight downward movement in variable rates. The private variable refinance rate decreased to 4.39% from 4.47% a week ago, reflecting an 8 basis point improvement, while the fixed rate holds steady at 4.49%. These competitive rates offer borrowers an opportunity to lower their payments compared to many federal and private loans above 8%. Consider refinancing if your current rate exceeds these figures and potential savings outweigh fees. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of November 12, 2025, COMMONWEALTH offers competitive refinance student loan rates with a variable APR at 4.39% and a fixed APR at 4.49%, both newly available with no prior rate history. These rates are notably low compared to typical market averages. Borrowers with existing loans above 8% should consider refinancing to reduce interest costs. Given the stable rates and transparent terms, refinancing can be a practical strategy when potential savings exceed any associated fees. For more details, visit https://partner.lendkey.com/ccuky/refinance.
LendMesh
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Conclusion
With interest rates showing minimal fluctuation over recent weeks, now is a prudent time for borrowers to evaluate locking in their rates, especially if you favor predictability through fixed programs like those offered by America’s Christian Credit Union or Lake Trust. Even modest APR differences can translate into significant savings over the life of a loan, making timely decisions crucial. Parents and graduates should also weigh their refinancing needs carefully: small changes in variable rates could impact monthly payments if market conditions shift later on. To maximize benefits, consider reaching out to credit unions offering stable low rates and inquire about personalized terms that fit your budget and career plans. Staying informed and proactive means you won’t miss out on today’s best refinance opportunities, so take action soon to secure favorable terms before any potential market changes arise.