Introduction
As of November 26, 2025, students, parents, and graduates seeking competitive student loan refinancing options have several promising choices to consider. The lowest fixed-rate refinancing option is available at America's Christian Credit Union, offering rates starting as low as 3.61%. For those leaning toward variable rates, the same credit union presents competitive variable APRs starting at 3.63%. Other strong contenders include 4Front and Soarion Credit Unions, both with fixed refinance loans at 4.24% and variable loans around 5.75%. Many credit unions like Commonwealth, Cyprus, Franklin Mint, and University First offer steady fixed rates near 4.49% and variable rates near 4.39%, providing a solid middle ground for borrowers prioritizing stability or slight flexibility. Notably, rates across most programs have remained stable over the past month, indicating a consistent market environment ideal for thoughtful refinancing decisions. Whether you are a parent helping with college costs or a graduate looking to reduce monthly payments, today’s best options blend low starting APRs with trusted credit union programs designed to fit diverse financial needs.
Refinance - Student Loans
Credit Union
Product
2025-11-26
(Current Day)
(Current Day)
2025-11-19
(7 Days Ago)
(7 Days Ago)
2025-11-11
(15 Days Ago)
(15 Days Ago)
2025-10-27
(30 Days Ago)
(30 Days Ago)
2025-10-12
(45 Days Ago)
(45 Days Ago)
2025-09-27
(60 Days Ago)
(60 Days Ago)
2025-08-28
(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
Refinance Student Loans (variable) [Refinance]
4.39
4.39
4.39
4.56▲ 17 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of November 26, 2025, AMERICA'S CHRISTIAN student loan refinance rates remain steady, with the fixed APR range holding at 3.61% to 11.47% and variable rates at 3.63% to 11.47% over the past 30 days. There have been no recent rate changes, indicating stable market conditions for refinancing. The most competitive option is the fixed-rate loan starting at 3.61% APR, suitable for borrowers seeking predictable payments. Consider refinancing if your current rate exceeds 8%, as locking in a lower fixed or variable rate could reduce your overall interest costs. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
4FRONT CREDIT UNION
As of November 26, 2025, 4FRONT’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 from 15 days ago. These fixed and variable options offer consistent, competitive pricing for borrowers seeking to lower their current rates. If your existing loan rate exceeds 8%, consider refinancing to take advantage of these stable, lower APRs. Evaluate whether potential savings outweigh any refinancing costs before proceeding. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
SOARION FEDERAL CREDIT UNION
SOARION’s Refinance Fixed Rate Loan remains steady at 4.24% APR, showing no change over the past 30 days. Similarly, the Refinance Variable Rate Loan holds firm at 5.75% APR with no rate movement in the last month. These stable rates offer consistent refinancing options for borrowers seeking predictable payments or potential savings. Consider refinancing if your current loan rate exceeds these benchmarks, as locking in a fixed rate under 4.25% could reduce long-term costs. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance,
CAPITAL CREDIT UNION
As of November 26, 2025, CAPITAL’s refinance student loan rates remain steady with the private variable rate at 4.39%, unchanged over the past 15 days but down 8 basis points from 30 days ago. The private fixed rate holds firm at 4.49%, stable across all measured periods. The variable option offers the most competitive APR and a slight recent improvement, making it attractive for borrowers seeking lower rates. Consider refinancing if your current loan rate exceeds 8%, especially to benefit from these consistent, below-4.5% options. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of November 26, 2025, COMMONWEALTH’s refinance student loan rates remain steady with a variable APR at 4.39% and a fixed APR at 4.49%, showing no change over the past 30 days. These competitive rates offer an opportunity for borrowers to lower their payments or shorten loan terms. Consider refinancing if your current rate exceeds 8%, as these stable, low rates could yield significant savings. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of November 26, 2025, CYPRUS offers competitive refinance student loan rates with no changes over the past 15 days. The Variable Student Loan Refinance rate holds steady at 4.39% APR, while the Fixed Student Loan Refinance rate remains at 4.49% APR. These stable rates provide consistent options for borrowers seeking to lower their current debt costs. The variable refinance loan at 4.39% APR is the most affordable option today. Borrowers with existing loans above 8% APR should consider refinancing to capture these lower rates, ensuring potential savings outweigh any refinancing fees. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of November 26, 2025, FRANKLIN MINT’s refinance student loan rates remain stable, with the variable APR steady at 4.39% and the fixed APR holding at 4.49% for the past 15 days. These competitive rates provide a strong option for borrowers seeking to lower their current loan costs. If your existing student loan rate exceeds 8%, consider refinancing to benefit from these lower APRs, potentially reducing your monthly payments and total interest paid. For more details, visit https://partner.lendkey.com/fmfcu/refinance,
MAINSTREET FEDERAL CREDIT UNION
As of November 26, 2025, MAINSTREET’s refinance student loan rates are newly available with a 4.39% variable APR and a 4.49% fixed APR, establishing competitive options for borrowers seeking to lower their costs. Since no previous data exists for comparison, these rates set a baseline for future trend analysis. Borrowers with current loans above 8% APR should consider refinancing now to take advantage of these low rates. Evaluate if potential savings outweigh any refinancing fees before proceeding. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of November 26, 2025, UNIVERSITY FIRST’s refinance student loan rates remain steady, with the variable APR at 4.39% and the fixed APR at 4.49%, showing no changes over the past 15 days. These rates continue to offer competitive options for borrowers seeking to lower their interest expenses. Variable rates hold the lowest APR at 4.39%, making them attractive for those comfortable with rate fluctuations. Consider refinancing if your current loan rate exceeds 8%, as these stable rates can reduce overall repayment costs. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of November 26, 2025, 1ST ADVANTAGE’s refinance student loan rates remain steady with the variable rate at 4.39%, unchanged from one and two weeks ago but down 8 basis points over 30 days. The fixed rate holds firm at 4.49%, showing no movement in the past month. The variable option offers the most competitive APR currently available, maintaining a slight advantage for borrowers seeking potential savings. Consider refinancing if your current rate exceeds 8%, as locking in these lower rates can reduce long-term costs. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
LendMesh
Dreaming of a better education? LendMesh can help make it affordable. Whether it’s undergrad, grad school, or a career change, we connect you with lenders who believe in second chances and first steps. Explore your path at https://www.lendmesh.com/loans/student_loans .
Conclusion
With student loan rates showing minimal fluctuations this month, now is an excellent time for borrowers to consider locking in their refinancing terms, especially if you qualify for one of the standout low fixed or variable APRs under 4%. Even small APR differences can significantly impact your total interest paid over time, making early action worthwhile for long-term savings. Parents assisting with education expenses should weigh fixed-rate plans for predictable budgeting, while graduates seeking flexibility may find value in variable rate loans that could adjust favorably over time. To maximize benefits, review your credit union’s specific eligibility requirements and loan features carefully before applying. Keep an eye on any upcoming economic shifts that might affect rates and be ready to act quickly if favorable offers appear. For those exploring refinancing today, taking prompt steps to compare detailed loan terms and secure competitive APRs can lead to meaningful financial relief throughout your repayment journey.