Introduction
As of November 14, 2025, today’s student loan landscape offers some standout opportunities for college students and parents navigating financing options. If you’re hunting for the lowest rates, the fixed undergraduate loans at Community First Credit Union shine with an APR starting as low as 4.25%, providing a stable and affordable path for undergrads. For graduate students, the variable-rate loans at Pioneer Credit Union remain highly competitive, beginning at just 3.75% APR, offering flexibility if you anticipate fluctuating interest rates. Parents looking to support their children’s education can benefit from Parent PLUS-style loans at Unity Credit Union, which recently saw a modest APR drop of 0.10%, now starting at 5.00%, a rare move toward more affordable borrowing in that category. Whether you prefer fixed or variable programs, there are strong options available across terms ranging from 5 to 15 years. Today’s data confirms that both students and parents can find tailored solutions that balance cost and repayment flexibility in a fluctuating market.
New - Student Loans
Credit Union
Product
2025-11-14
(Current Day)
(Current Day)
2025-11-07
(7 Days Ago)
(7 Days Ago)
2025-10-30
(15 Days Ago)
(15 Days Ago)
2025-10-15
(30 Days Ago)
(30 Days Ago)
2025-09-30
(45 Days Ago)
(45 Days Ago)
2025-09-15
(60 Days Ago)
(60 Days Ago)
2025-08-16
(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
2.74 - 6.89
GREATER TEXAS
Fixed Rate Loan (fixed)
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
7.67 - 13.76
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
7.74 - 13.75
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
12.79 - 14.78
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
12.81 - 14.77
12.93 - 14.87▲ 12 bps
12.93 - 14.87▲ 12 bps
12.89 - 14.84▲ 8 bps
SAFE
Cosigned Loans (fixed)
2.89 - 15.11
SAFE
Non-Cosigned Loans (variable)
4.24 - 14.90
ACHIEVA CREDIT UNION
Medical school loan (fixed)
2.89 - 14.98
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
2.89 - 14.98
ACHIEVA CREDIT UNION
MBA loan (fixed)
2.89 - 14.99
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
2.89 - 14.99
ACHIEVA CREDIT UNION
Law school loan (fixed)
2.89 - 14.99
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
4.25 - 13.84
4.37 - 13.96▲ 12 bps
ACHIEVA CREDIT UNION
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
4.25 - 13.84
4.37 - 13.97▲ 12 bps
ACHIEVA CREDIT UNION
MBA loan (variable)
4.25 - 13.85
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
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ACHIEVA CREDIT UNION
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
4.37 - 13.97▲ 12 bps
ACHIEVA CREDIT UNION
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
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
4.25 - 16.87
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
4.25 - 17.07
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
4.25 - 13.84
4.25 - 13.84
4.37 - 13.96▲ 12 bps
AFFINITY
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
4.25 - 13.84
4.37 - 13.97▲ 12 bps
AFFINITY
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
AFFINITY
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
AFFINITY
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
4.37 - 13.97▲ 12 bps
AFFINITY
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
AFFINITY
Undergraduate student loan (variable)
4.25 - 16.87
4.25 - 16.87
4.25 - 16.87
4.37 - 16.99▲ 12 bps
AFFINITY
Career training loan (variable)
4.25 - 17.07
4.25 - 17.07
4.25 - 17.07
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
ALLSOUTH
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
ALLSOUTH
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
ALLSOUTH
Medical school loan (variable)
4.25 - 13.84
4.25 - 13.84
ALLSOUTH
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
ALLSOUTH
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
ALLSOUTH
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
ALLSOUTH
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
ALLSOUTH
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
ALLSOUTH
Undergraduate student loan (variable)
4.25 - 16.87
4.25 - 16.87
ALLSOUTH
Career training loan (variable)
4.25 - 17.07
4.25 - 17.07
ALTAONE
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
ALTAONE
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
ALTAONE
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALTAONE
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALTAONE
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALTAONE
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
ALTAONE
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
ALTAONE
Career training loan (fixed)
2.89 - 17.64
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
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
4.25 - 13.84
4.37 - 13.96▲ 12 bps
4.37 - 13.96▲ 12 bps
AMERICAN HERITAGE
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
AMERICAN HERITAGE
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AMERICAN HERITAGE
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AMERICAN HERITAGE
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.97▲ 12 bps
4.37 - 13.97▲ 12 bps
AMERICAN HERITAGE
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
AMERICAN HERITAGE
Undergraduate student loan (variable)
4.25 - 16.87
4.25 - 16.87
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
AMERICAN HERITAGE
Career training loan (variable)
4.25 - 17.07
4.25 - 17.07
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
LendMesh
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Conclusion
Looking ahead, borrowers should consider locking in rates sooner rather than later, especially fixed-rate borrowers who want predictability amid shifting economic conditions. Even small APR changes of 0.10% to 0.15% can translate into meaningful savings over the life of a loan, so staying informed weekly is key. Students who expect to graduate soon may benefit from shorter terms with lower rates to minimize interest accrual, while parents might weigh longer terms to keep monthly payments manageable without sacrificing overall cost-effectiveness. Be proactive by comparing current offers across credit unions and seeking pre-approval where possible, as competitive programs can move quickly. Finally, don’t overlook credit unions’ personalized service and potential for rate discounts based on membership or repayment behavior, these perks could add up to significant value over time. Staying engaged now positions families for smarter borrowing decisions tomorrow.