Introduction
As of November 28, 2025, students and parents exploring student loan options can find some of the most competitive fixed-rate loans available today starting as low as 2.74% APR through credit unions like EECU, Fort Worth Community, Greater Texas, and Texans. These fixed-rate undergraduate and graduate loans offer stability and predictability, ideal for borrowers seeking to lock in low rates amid market fluctuations. For specialized programs such as medical, dental, law, and MBA loans, ACHIEVA Credit Union and AFFINITY provide a broad range with rates beginning at 2.89% APR fixed, while their variable rate options start slightly higher around 4.12% APR but may appeal to those expecting lower future rates. Whether you’re a parent funding a career training program or a graduate student pursuing advanced degrees, today’s data reveals consistent rates with no significant weekly shifts for most programs, helping you plan confidently with clarity on costs.
New - Student Loans
| Lender | Product | 2025-11-28 Current | 2025-11-21 7 Days Ago | 2025-11-13 15 Days Ago | 2025-10-29 30 Days Ago | 2025-10-14 45 Days Ago | 2025-09-29 60 Days Ago | 2025-08-30 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| EECU CREDIT UNIONLOWEST | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | N/A | N/A | N/A | N/A | 2.74 - 6.89% | 2.74 - 6.89% |
| FORT WORTH COMMUNITY CREDIT UNIONLOWEST | Texas Extra Credit (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A |
| GREATER TEXAS FEDERAL CREDIT UNIONLOWEST | Fixed Rate Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | N/A |
| TEXANS CREDIT UNIONLOWEST | 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% | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% |
| ACHIEVA CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% |
| ACHIEVA CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% |
| ACHIEVA CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% |
| ACHIEVA CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | 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% |
| AFFINITY FEDERAL 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% | 2.89 - 14.98% |
| AFFINITY FEDERAL 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% | 2.89 - 14.98% |
| AFFINITY FEDERAL 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% | 2.89 - 14.99% |
| AFFINITY FEDERAL 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% | 2.89 - 14.99% |
| AFFINITY FEDERAL 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% | 2.89 - 14.99% |
| AFFINITY FEDERAL 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% |
| AFFINITY FEDERAL 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% |
| AFFINITY FEDERAL CREDIT UNION | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | 2.89 - 17.64% | 2.89 - 17.64% |
| ALLSOUTH FEDERAL CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | N/A | 2.89 - 14.98% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | 2.89 - 14.99% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | 2.89 - 17.49% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Career training loan (fixed) | 2.89 - 17.64% | N/A | 2.89 - 17.64% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | 2.89 - 14.98% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Graduate school loan (fixed) | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | 2.89 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Career training loan (fixed) | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | 2.89 - 17.64% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Medical School Fixed Rate Loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Dental School Fixed Rate Loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | MBA Fixed Rate Loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Health Professions Fixed Rate Loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Law School Fixed Rate Loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Graduate School Fixed Rate Loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Undergraduate Fixed Rate Loan (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Career Training Fixed Rate Loan (fixed) | 2.89 - 17.64% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Medical school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Dental school loan (fixed) | 2.89 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | MBA loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Health professions loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Law school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Graduate school loan (fixed) | 2.89 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Career training loan (fixed) | 2.89 - 17.64% | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (variable) | 4.12 - 13.71% | N/A | N/A | N/A | 4.37 - 13.96% | 4.37 - 13.96% | 4.37 - 13.96% |
| ACHIEVA CREDIT UNION | Dental school loan (variable) | 4.12 - 13.72% | N/A | N/A | N/A | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% |
| ACHIEVA CREDIT UNION | Law school loan (variable) | 4.12 - 13.72% | N/A | N/A | N/A | 4.37 - 13.97% | 4.37 - 13.97% | 4.37 - 13.97% |
| ACHIEVA CREDIT UNION | MBA loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% |
| ACHIEVA CREDIT UNION | Health professions loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% |
| ACHIEVA CREDIT UNION | Graduate school loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | 4.25 - 13.85% | 4.37 - 13.98% | 4.37 - 13.98% | 4.37 - 13.98% |
| ACHIEVA CREDIT UNION | Undergraduate student loan (variable) | 4.12 - 16.75%▼ 13 bps | 4.25 - 16.87% | 4.25 - 16.87% | 4.25 - 16.87% | 4.37 - 16.99% | 4.37 - 16.99% | 4.37 - 16.99% |
| ACHIEVA CREDIT UNION | Career training loan (variable) | 4.12 - 16.96%▼ 13 bps | 4.25 - 17.07% | 4.25 - 17.07% | 4.25 - 17.07% | 4.37 - 17.18% | 4.37 - 17.18% | 4.37 - 17.18% |
| AFFINITY FEDERAL CREDIT UNION | Medical school loan (variable) | 4.12 - 13.71%▼ 13 bps | 4.25 - 13.84% | 4.25 - 13.84% | 4.25 - 13.84% | N/A | 4.37 - 13.96% | 4.37 - 13.96% |
| AFFINITY FEDERAL CREDIT UNION | Dental school loan (variable) | 4.12 - 13.72%▼ 13 bps | 4.25 - 13.84% | 4.25 - 13.84% | 4.25 - 13.84% | N/A | 4.37 - 13.97% | 4.37 - 13.97% |
| AFFINITY FEDERAL CREDIT UNION | Law school loan (variable) | 4.12 - 13.72%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | 4.25 - 13.85% | N/A | 4.37 - 13.97% | 4.37 - 13.97% |
| AFFINITY FEDERAL CREDIT UNION | MBA loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | 4.25 - 13.85% | N/A | 4.37 - 13.98% | 4.37 - 13.98% |
| AFFINITY FEDERAL CREDIT UNION | Health professions loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | 4.25 - 13.85% | N/A | 4.37 - 13.98% | 4.37 - 13.98% |
| AFFINITY FEDERAL CREDIT UNION | Graduate school loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | 4.25 - 13.85% | N/A | 4.37 - 13.98% | 4.37 - 13.98% |
| AFFINITY FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 4.12 - 16.75%▼ 13 bps | 4.25 - 16.87% | 4.25 - 16.87% | 4.25 - 16.87% | N/A | 4.37 - 16.99% | 4.37 - 16.99% |
| AFFINITY FEDERAL CREDIT UNION | Career training loan (variable) | 4.12 - 16.96%▼ 13 bps | 4.25 - 17.07% | 4.25 - 17.07% | 4.25 - 17.07% | N/A | 4.37 - 17.18% | 4.37 - 17.18% |
| ALLSOUTH FEDERAL CREDIT UNION | Medical school loan (variable) | 4.12 - 13.71% | N/A | 4.25 - 13.84% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental school loan (variable) | 4.12 - 13.72% | N/A | 4.25 - 13.84% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Law school loan (variable) | 4.12 - 13.72% | N/A | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | MBA loan (variable) | 4.12 - 13.73% | N/A | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Health professions loan (variable) | 4.12 - 13.73% | N/A | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Graduate school loan (variable) | 4.12 - 13.73% | N/A | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 4.12 - 16.75% | N/A | 4.25 - 16.87% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Career training loan (variable) | 4.12 - 16.96% | N/A | 4.25 - 17.07% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical school loan (variable) | 4.12 - 13.71%▼ 13 bps | 4.25 - 13.84% | 4.25 - 13.84% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental school loan (variable) | 4.12 - 13.72%▼ 13 bps | 4.25 - 13.84% | 4.25 - 13.84% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Law school loan (variable) | 4.12 - 13.72%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | MBA loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Health professions loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Graduate school loan (variable) | 4.12 - 13.73%▼ 13 bps | 4.25 - 13.85% | 4.25 - 13.85% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 4.12 - 16.75%▼ 13 bps | 4.25 - 16.87% | 4.25 - 16.87% | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Career training loan (variable) | 4.12 - 16.96%▼ 13 bps | 4.25 - 17.07% | 4.25 - 17.07% | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Medical School Variable Rate Loan (variable) | 4.12 - 13.71% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Dental School Variable Rate Loan (variable) | 4.12 - 13.72% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Law School Variable Rate Loan (variable) | 4.12 - 13.72% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | MBA Variable Rate Loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Health Professions Variable Rate Loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Graduate School Variable Rate Loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Undergraduate Variable Rate Loan (variable) | 4.12 - 16.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Career Training Variable Rate Loan (variable) | 4.12 - 16.96% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Medical school loan (variable) | 4.12 - 13.71% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Dental school loan (variable) | 4.12 - 13.72% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Law school loan (variable) | 4.12 - 13.72% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | MBA loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Health professions loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Graduate school loan (variable) | 4.12 - 13.73% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 4.12 - 16.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Career training loan (variable) | 4.12 - 16.96% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | 6.40 - 11.89% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.40 - 11.89% | N/A | N/A | 6.40 - 11.89% | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.76 - 12.23% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.76 - 12.23% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.76 - 12.23% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.76 - 12.23% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.88 - 16.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.88 - 16.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | 7.01 - 15.26% | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
EECU CREDIT UNION
EECU’s Texas Extra Credit Education Loan (fixed) currently offers rates from 2.74% to 6.89% APR, with no prior data for comparison. This range presents a competitive option for borrowers seeking predictable payments on new student loans. Given the low starting rate, students and parents should assess these fixed terms carefully against their financial goals. If your current loan exceeds 7%, exploring this product could lower your financing costs effectively. For more details, visit https://eecu.org/personal-banking/loans/products/student-loans.
FORT WORTH COMMUNITY CREDIT UNION
FORT WORTH COMMUNITY’s Texas Extra Credit (fixed) student loan rates remain steady at 2.74% to 6.89% APR over the past 30 days, showing no fluctuations. This consistent pricing offers predictable borrowing costs for students and parents seeking affordable education financing. With rates starting as low as 2.74%, this product remains competitive in today’s market. Borrowers with existing loans above 7% should evaluate the potential benefits of switching to a fixed-rate option like this one for greater rate stability. For more details, visit https://www.ftwccu.org/home/loans/student-loans.
GREATER TEXAS FEDERAL CREDIT UNION
GREATER TEXAS’s new Fixed Rate Loan remains steady with rates between 2.74% and 6.89% APR, unchanged over the past 30 days. This stability offers predictable repayment costs for borrowers seeking fixed terms. The lowest rate at 2.74% APR is notably competitive in today’s market, making it a strong option for students or parents prioritizing budget certainty. Borrowers with current loans above 7% should evaluate these rates closely; consider refinancing if your existing rate exceeds 6.89%, to reduce interest expenses. For more details, visit https://www.gtfcu.org/greater-texas-cu/loans/personal/private-education-loan.
TEXANS CREDIT UNION
As of November 28, 2025, TEXANS Private Student Loan (fixed) rates remain steady at 2.74% to 6.89% APR, with no changes over the past 30 days. This stability offers predictable borrowing costs for students and parents seeking fixed-rate options. With rates starting as low as 2.74%, these loans are competitive in today’s market. Borrowers with existing loans above 7% might benefit from exploring new fixed-rate options to reduce interest expenses. Consider your current rate versus these stable terms when evaluating loan choices. For more details, visit https://www.texanscu.org/products/loans/student-loans/private-student-loan.
ACHIEVA CREDIT UNION
As of November 28, 2025, ACHIEVA CREDIT UNION’s new student loan rates remain stable across all products with no changes over the past 30 days. Fixed APRs for programs like Medical, Dental, MBA, Health Professions, and Law school loans start as low as 2.89%, while undergraduate fixed rates range up to 17.49%. Variable rates begin at 4.12%, with undergraduate variable loans reaching up to 16.96%. The most competitive options continue to be fixed-rate graduate and professional loans starting under 3% APR. Borrowers with rates above 8% should evaluate refinancing opportunities to reduce interest costs based on current ACHIEVA offerings. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000226&dtd_cell=SMLRSOPACUCUCMOTAKM1096N010000.
AFFINITY FEDERAL CREDIT UNION
As of November 28, 2025, AFFINITY’s new student loan rates remain stable across all programs. Fixed-rate loans for medical, dental, MBA, health professions, law, and graduate programs hold firm at 2.89% to 14.99%, while undergraduate and career training fixed loans maintain higher ceilings at 17.49% and 17.64%, respectively. Variable rates saw slight decreases from last week, with medical and dental loans now at 4.12% to 13.72%, down roughly 13 bps on the low end since seven days ago. Fixed-rate options offer the most predictable costs; consider these if you prefer stable payments over time. Borrowers with rates above 8% should evaluate refinancing opportunities to optimize long-term savings.
ALLSOUTH FEDERAL CREDIT UNION
As of November 28, 2025, ALLSOUTH’s fixed-rate student loans remain steady, with competitive APRs starting as low as 2.89% for programs including medical, dental, MBA, and law school loans. Variable rates have slightly decreased since 15 days ago; for example, the medical school variable loan dropped from 4.25% to 4.12%, reflecting improved borrowing conditions. Notably, undergraduate fixed rates hold at 2.89% to 17.49%, while variable undergrad rates modestly declined by about 13 bps over two weeks. For borrowers with rates above 8%, considering refinancing could yield meaningful savings given current low entry points on many fixed loans. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000350&dtd_cell=SMLRSOPACUCUCMOTANW1183N030000.
ALTAONE FEDERAL CREDIT UNION
As of November 28, 2025, ALTAONE’s new student loan rates remain stable across all fixed programs, with fixed APRs ranging from 2.89% to 17.64% depending on the loan type. Variable rates have seen slight declines since last week; for example, medical school variable loans decreased from 4.25% to 4.12% at the low end. The most competitive fixed options are for medical and dental school loans at 2.89% minimum APR, while variable career training loans top out at 16.96% APR today, down modestly over seven days. Borrowers with rates above 8% should evaluate refinancing opportunities to optimize costs based on current competitive offers. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000163&dtd_cell=SMLRSOPACUCUCMOTAJC1060N010000.
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of November 28, 2025, AMERICAN HERITAGE’s new student loan rates range from 2.89% to 17.64% APR across fixed and variable options. Fixed rates start as low as 2.89% for programs like Medical, Dental, MBA, and Law School loans, with undergraduate and career training fixed loans reaching up to 17.49% and 17.64%, respectively. Variable rates begin at 4.12%, with undergraduate and career training variable loans topping at 16.75% and 16.96%. Since these are newly listed products, no prior rate trends are available yet. Borrowers should compare current rates carefully and consider refinancing if existing loans exceed 8%, given these competitive starting APRs. For more details, visit https://www.salliemae.com/landing/student-loans/?RefID=1987000001&CoBrandingID=001143&dtd_cell=SMLRSOPTRPSSN010297.
APPLE FEDERAL CREDIT UNION
As of November 28, 2025, APPLE credit union offers new student loan products with fixed rates ranging from 2.89% to 17.64% APR and variable rates from 4.12% to 16.96% APR, depending on the program. The most competitive fixed rates start at 2.89% for medical, dental, MBA, law, health professions, graduate, and undergraduate loans. Variable rates begin higher but remain below 17%. Since these are new offerings, no prior rate trends exist. Borrowers with current loans above 8% APR should consider these options to lower borrowing costs or refinance if potential savings outweigh fees. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000159&dtd_cell=SMLRSOPACUCUCMOTAIL1043N010000.
LendMesh
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Conclusion
Looking ahead, locking in a fixed-rate loan now could be a smart move for students and parents aiming to avoid potential rate increases. Even small changes in APRs can significantly impact total repayment amounts over time, so staying informed is key. If you’re considering variable rate loans from credit unions like ACHIEVA or AFFINITY, keep an eye on market trends since these rates can shift, but they often start competitively low. Graduate and professional students should weigh the benefits of specialized loans that cater specifically to their fields with competitive fixed terms. For families ready to take action, now is an excellent time to explore credit union offerings, gather personalized quotes, and secure financing that aligns with your educational goals before year-end adjustments potentially occur. Staying proactive ensures you capitalize on today’s best rates and set up for manageable repayment journeys ahead.