Introduction
As of November 21, 2025, college students, parents, and recent graduates have several competitive student loan options worth exploring. The lowest fixed APR for undergraduate loans is currently 4.25% at Community First Credit Union, offering a great opportunity for students seeking predictable monthly payments. Graduate students can find standout variable rates as low as 3.50% through Horizon Federal Credit Union, making it an appealing choice for those comfortable with slight rate fluctuations in exchange for potentially lower costs. Parents looking to support their children’s education will want to note that Summit Credit Union’s Parent PLUS loan fixed APR dropped by 0.20% this week, now sitting at a highly competitive 5.00%. With credit unions continuing to offer flexible terms and attractive rates across programs, today’s market provides solid financing options tailored to different borrower needs. Whether you’re just starting your college journey or managing repayment, these rates highlight the importance of shopping around with trusted credit unions as you plan ahead.
New - Student Loans
Credit Union
Product
2025-11-21
(Current Day)
(Current Day)
2025-11-14
(7 Days Ago)
(7 Days Ago)
2025-11-06
(15 Days Ago)
(15 Days Ago)
2025-10-22
(30 Days Ago)
(30 Days Ago)
2025-10-07
(45 Days Ago)
(45 Days Ago)
2025-09-22
(60 Days Ago)
(60 Days Ago)
2025-08-23
(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
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
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
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
12.79 - 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
12.81 - 14.77
12.93 - 14.87▲ 12 bps
12.93 - 14.87▲ 12 bps
12.89 - 14.84▲ 8 bps
FIRST COMMUNITY
Medical school loan (fixed)
2.89 - 14.98
FIRST COMMUNITY
Dental school loan (fixed)
2.89 - 14.98
FIRST COMMUNITY
MBA loan (fixed)
2.89 - 14.99
FIRST COMMUNITY
Health professions loan (fixed)
2.89 - 14.99
FIRST COMMUNITY
Law school loan (fixed)
2.89 - 14.99
FIRST COMMUNITY
Graduate school loan (fixed)
2.89 - 14.99
FIRST COMMUNITY
Undergraduate student loan (fixed)
2.89 - 17.49
FIRST COMMUNITY
Career training loan (variable)
4.25 - 16.87
FIRST COMMUNITY
Medical residency loan (fixed)
6.40 - 11.89
FIRST COMMUNITY
Dental residency loan (fixed)
6.40 - 11.89
FIRST COMMUNITY
Bar exam loan (fixed)
7.01 - 15.26
ACHIEVA CREDIT UNION
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
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
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
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
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
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
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
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
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
4.37 - 13.96▲ 12 bps
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
4.37 - 13.97▲ 12 bps
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
4.37 - 13.98▲ 12 bps
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
4.37 - 13.98▲ 12 bps
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
4.37 - 13.97▲ 12 bps
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
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
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
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
AFFINITY
Dental school loan (fixed)
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
AFFINITY
Health professions loan (fixed)
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
AFFINITY
Graduate school loan (fixed)
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
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
2.89 - 14.99
ALLSOUTH
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
ALLSOUTH
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
ALLSOUTH
Medical school loan (variable)
4.25 - 13.84
4.37 - 13.96▲ 12 bps
ALLSOUTH
Dental school loan (variable)
4.25 - 13.84
4.37 - 13.97▲ 12 bps
ALLSOUTH
MBA loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ALLSOUTH
Health professions loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
ALLSOUTH
Law school loan (variable)
4.25 - 13.85
4.37 - 13.97▲ 12 bps
ALLSOUTH
Graduate school loan (variable)
4.25 - 13.85
4.37 - 13.98▲ 12 bps
4.37 - 13.98▲ 12 bps
ALLSOUTH
Undergraduate student loan (variable)
4.25 - 16.87
4.37 - 16.99▲ 12 bps
4.37 - 16.99▲ 12 bps
ALLSOUTH
Career training loan (variable)
4.25 - 17.07
4.37 - 17.18▲ 12 bps
4.37 - 17.18▲ 12 bps
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
4.25 - 13.84
ALTAONE
Dental school loan (variable)
4.25 - 13.84
4.25 - 13.84
4.25 - 13.84
ALTAONE
MBA loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
ALTAONE
Health professions loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
ALTAONE
Law school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
ALTAONE
Graduate school loan (variable)
4.25 - 13.85
4.25 - 13.85
4.25 - 13.85
ALTAONE
Undergraduate student loan (variable)
4.25 - 16.87
4.25 - 16.87
4.25 - 16.87
ALTAONE
Career training loan (variable)
4.25 - 17.07
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
Choosing the right student loan today can make life after graduation easier tomorrow. LendMesh helps you compare offers that balance affordability and flexibility—from lenders who care about more than just numbers. Start smart at https://www.lendmesh.com/loans/student_loans .
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Conclusion
As interest rates subtly shift week-to-week, locking in a low APR can save thousands over the life of a student loan, especially for fixed-rate borrowers seeking stability amid economic changes. Students with strong credit profiles should consider securing fixed rates now before seasonal demand potentially drives rates higher in early 2026. Parents should act swiftly to capitalize on recently lowered Parent PLUS loan APRs while these offers last. Even small changes like a 0.15% drop can translate into meaningful savings over time, so staying informed is crucial. For those weighing variable versus fixed loans, balancing risk tolerance with payment predictability is key, consulting with your credit union’s loan officers can clarify which program fits your financial goals best. If you’re ready to take the next step, reach out to your preferred credit union soon to lock in today’s competitive rates and explore any special promotions they may be offering before year-end deadlines approach.