Introduction
As of November 19, 2025, college students, parents, and graduates seeking student loan refinancing have some promising options to consider. The lowest available rates today are offered by America’s Christian Credit Union, with private refinance loan APRs starting as low as 3.61% fixed and 3.63% variable, an attractive choice for those aiming to lower their monthly payments or overall interest costs. For borrowers looking at other competitive fixed-rate programs, Soarion Credit Union presents a solid 4.24% fixed refinance rate, while several credit unions like 1st Advantage, Commonwealth, and Cyprus offer variable rates near 4.39%, maintaining steady pricing from last week. Notably, rates have remained stable over the past month across most programs, with no significant weekly or monthly jumps to report, offering peace of mind for those ready to refinance now. Whether you’re a parent exploring private loans or a graduate refinancing existing debt, today’s market provides multiple reliable paths with competitive APRs tailored to your financial goals.
Refinance - Student Loans
Credit Union
Product
2025-11-19
(Current Day)
(Current Day)
2025-11-12
(7 Days Ago)
(7 Days Ago)
2025-11-04
(15 Days Ago)
(15 Days Ago)
2025-10-20
(30 Days Ago)
(30 Days Ago)
2025-10-05
(45 Days Ago)
(45 Days Ago)
2025-09-20
(60 Days Ago)
(60 Days Ago)
2025-08-21
(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
Variable Rate (variable) [Refinance]
4.39
4.39
4.47▲ 8 bps
4.47▲ 8 bps
Refinance Student Loans (variable) [Refinance]
4.39
4.39
4.56▲ 17 bps
4.56▲ 17 bps
Refinance Student Loans (fixed) [Refinance]
4.49
4.49
4.54▲ 5 bps
4.54▲ 5 bps
Refinance Student Loans (variable) [Refinance]
4.39
4.39
4.47▲ 8 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of November 19, 2025, America's Christian Credit Union’s private refinance student loan rates remain steady, with fixed APRs ranging from 3.61% to 11.47% and variable APRs from 3.63% to 11.47%, showing no change over the past 30 days. The lowest fixed rate at 3.61% offers a competitive option for borrowers seeking stable payments, while the variable loan starts slightly higher but may benefit from future rate drops. Consider refinancing if your current rate exceeds 8%, as these options provide substantial savings potential without recent rate increases. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
NAVIGANT CREDIT UNION
As of November 19, 2025, NAVIGANT’s Fixed Student Loan Refinance and Pay Later Refinance programs maintain steady rates between 5.99% and 8.99% APR, showing no change over the past 7 days. These consistent rates provide competitive options for borrowers seeking predictable payments. If your current student loan rate exceeds 8%, it may be advantageous to consider refinancing with NAVIGANT to potentially lower your interest costs. Stability in these refinance products offers clear budgeting benefits without recent rate volatility. For more details, visit https://www.risla.com/refi-student-loans-navigant.
SOARION FEDERAL CREDIT UNION
As of November 19, 2025, SOARION’s refinance student loan rates remain steady, 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 rate offers the most competitive option for borrowers seeking predictable payments, while the variable rate may suit those expecting to pay off loans quickly or benefit from potential future rate drops. Consider refinancing if your current loan rate exceeds 8%, as these stable rates could lower your interest costs without added risk. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
CITY & COUNTY CREDIT UNION
CITY & COUNTY’s Private Student Loans (variable) refinance rates are currently offered between 4.24% and 13.49% APR. As this is the first reporting period, no prior rate comparisons are available. The competitive low end at 4.24% APR presents a strong option for borrowers looking to reduce interest costs on existing student debt. Consider refinancing if your current rate exceeds 8%, as these variable rates may offer meaningful savings depending on credit profile and loan terms. For more details, visit https://cccu.studentchoice.org/student-loan-refinance/.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of November 19, 2025, 1ST ADVANTAGE's refinance student loan rates remain steady. The Variable Rate product holds at 4.39% APR, down from 4.47% just 15 and 30 days ago, marking an 8 basis point improvement in the past two weeks. The Fixed Rate stays consistent at 4.49% APR over the last month with no changes. For borrowers with existing loans above 8%, these competitive refinance options could lower monthly payments and overall interest costs. Consider refinancing if your current rate exceeds these benchmarks and potential savings outweigh fees. For more details, visit https://partner.lendkey.com/1stadvantage/refinance,
COMMONWEALTH FEDERAL CREDIT UNION
As of November 19, 2025, COMMONWEALTH's refinance student loan rates remain steady with the variable APR at 4.39% and the fixed APR at 4.49%, unchanged over the past week. These competitive rates provide an affordable option for borrowers looking to lower their current student loan costs. Consider refinancing if your existing rate exceeds 8%, as these stable rates can reduce your monthly payments and overall interest expense. For more details, visit https://partner.lendkey.com/ccuky/refinance,
CYPRUS FEDERAL CREDIT UNION
As of November 19, 2025, CYPRUS refinance student loan rates remain steady with the Variable Student Loan at 4.39% APR, unchanged from last week but down 8 bps from 15 days ago. The Fixed Student Loan holds firm at 4.49% APR, showing no rate movement over the past 30 days. The variable option currently offers the most competitive rate for borrowers seeking flexibility and potential savings. Consider refinancing if your existing loan APR exceeds 8%, as CYPRUS’s stable low rates may reduce your interest costs without added risk. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of November 19, 2025, FRANKLIN MINT’s refinance student loan rates remain steady with the variable rate holding at 4.39%, down slightly from 4.47% thirty days ago. The fixed refinance rate is stable at 4.49%, unchanged over the past month. The variable option offers the most competitive APR currently available. Borrowers with existing loans above 8% should consider refinancing to potentially lower their monthly payments and interest costs. Evaluate your current loan terms carefully and weigh savings against any refinancing fees before proceeding. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of November 19, 2025, MAINSTREET’s refinance student loan rates remain stable, with the variable rate at 4.39% and the fixed rate at 4.49%, unchanged over the past week. These competitive rates provide an opportunity for borrowers to lower their interest costs compared to many federal and private loans. Variable rates offer the lowest APR today, making them attractive for those comfortable with potential future fluctuations. Borrowers with current rates above 8% should consider refinancing, especially if their financial situation supports fixed or variable options near these figures. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of November 19, 2025, UNIVERSITY FIRST’s refinance student loan rates remain steady with the variable APR at 4.39%, unchanged from a week ago but down 8 bps from 15 days prior. The fixed APR holds at 4.49%, stable over the past 15 days. The variable rate offers the lowest current APR, making it the most competitive option for borrowers seeking flexibility and savings. Consider refinancing if your existing loan rate exceeds 8%, as these rates could significantly reduce your interest costs. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
LendMesh
Need help covering the gap between scholarships and tuition? LendMesh helps you fill that space with student loans from trusted lenders, offering flexible repayment and no hidden traps. Visit https://www.lendmesh.com/loans/student_loans and keep your education on track.
Conclusion
With student loan rates holding steady this week, now is an ideal time for many borrowers to seriously consider locking in a competitive APR, especially if you’re targeting refinance options below 5%. Even small changes in APR can translate into substantial savings over the life of a loan, so taking action sooner rather than later can make a meaningful difference. Students and parents should evaluate their current financial situations and loan terms carefully; if you anticipate rising rates or prefer payment certainty, opting for fixed-rate programs like those at America’s Christian or Soarion Credit Union could provide valuable stability. Meanwhile, variable-rate loans remain a flexible choice for borrowers comfortable with some fluctuation but seeking lower initial costs. To maximize benefits, it’s wise to gather personalized quotes from these top credit unions and compare terms before committing. Stay proactive, getting pre-approved today can secure your best rate and help you confidently plan your educational financing journey ahead.