Introduction
As of December 3, 2025, students, parents, and graduates exploring refinancing options can find some of the most competitive student loan rates available through credit unions nationwide. For those seeking the lowest fixed refinance rates, America's Christian Credit Union leads with rates starting as low as 3.61% APR, offering stability with their fixed private refinance loans. If you prefer a variable rate option, their variable program begins at just 3.63% APR, making it an attractive choice for borrowers confident in market trends. Other notable options include St. Mary’s Bank’s EdvestinU fixed refinance loans with rates ranging from 4.15% to 8.81% APR, showing a slight improvement over last month’s upper range. For borrowers interested in more specialized programs, TOGETHER Credit Union presents a variety of fixed and variable refinance loans tailored to nursing professionals and general student loans, with fixed rates starting at 4.24% APR and variable rates beginning at 5.74% APR. Whether you’re looking for stable fixed rates or flexible variable ones, today’s data highlights strong offerings designed to fit diverse financial needs.
Refinance - Student Loans
Credit Union
Product
2025-12-03
(Current Day)
(Current Day)
2025-11-26
(7 Days Ago)
(7 Days Ago)
2025-11-18
(15 Days Ago)
(15 Days Ago)
2025-11-03
(30 Days Ago)
(30 Days Ago)
2025-10-19
(45 Days Ago)
(45 Days Ago)
2025-10-04
(60 Days Ago)
(60 Days Ago)
2025-09-04
(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
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
3.63 - 11.47
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 8.81
4.15 - 9.31
4.15 - 9.31
4.15 - 9.31
Refinance Student Loans (variable) [Refinance]
4.39
4.39
4.39
4.47▲ 8 bps
4.54▲ 15 bps
Refinance Student Loans (fixed) [Refinance]
4.49
4.49
4.49
4.49
4.54▲ 5 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of December 3, 2025, AMERICA'S CHRISTIAN offers stable refinance student loan rates with no changes over the past 30 days. The Private Refinance Loan (fixed) APR remains at 3.61% to 11.47%, while the variable option is slightly higher at 3.63% to 11.47%. These consistent rates provide predictable options for borrowers seeking to lower costs. Fixed-rate loans offer certainty, whereas variable rates may benefit those expecting rate declines. If your current loan APR exceeds 8%, consider refinancing to potentially reduce interest costs and improve repayment terms. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
ST. MARY'S BANK CREDIT UNION
As of December 3, 2025, ST. MARY'S BANK's EdvestinU Refinance Loan (fixed) offers rates ranging from 4.15% to 8.81% APR, showing a slight improvement in the upper range compared to 30 days ago at 9.31% APR. This reflects a 50 basis point decrease over the past month, enhancing affordability for borrowers with higher rates. The lowest fixed rate remains steady at 4.15% APR, making this product competitive for those seeking stable payments. Consider refinancing if your current loan rate exceeds 8%, as recent declines could reduce your interest costs. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
4FRONT CREDIT UNION
As of December 3, 2025, 4FRONT’s refinance student loan rates remain steady, with the Fixed Rate Loan at 4.24% APR and the Variable Rate Loan at 5.75% APR, unchanged over the past 7 days. These competitive fixed and variable options provide consistent opportunities for borrowers seeking to lower their current rates. Consider refinancing if your existing loan rate exceeds 8%, as locking in a lower fixed or variable rate could reduce your overall interest costs. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
SOARION FEDERAL CREDIT UNION
As of December 3, 2025, SOARION’s Refinance Fixed Rate Loan and Variable Rate Loan remain steady at 4.24% and 5.75% APR, respectively, with no changes over the past 30 days. The fixed rate loan offers the most competitive option for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds these levels, as locking in a lower fixed rate can reduce overall interest costs and improve repayment planning. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
TOGETHER CREDIT UNION
As of December 3, 2025, TOGETHER credit union offers competitive refinance student loan rates, with fixed APRs ranging from 4.24% to 11.74% and variable APRs between 5.74% and 12.74%. The Nursing Loan Refinance (fixed) product features the lowest starting rate at 4.24%, making it the most attractive option for healthcare professionals. Since no historical data is available, rate trends cannot be assessed; however, borrowers with current rates above 8% should consider refinancing to potentially reduce interest costs. Evaluate your loan terms carefully and consider refinancing if projected savings outweigh fees. For more details, visit https://togethercu.studentchoice.org/refinance/.
CAPITAL CREDIT UNION
As of December 3, 2025, CAPITAL’s refinance student loan rates remain stable. The private variable refinance rate holds at 4.39%, down slightly from 4.47% thirty days ago, reflecting a modest improvement for borrowers seeking flexibility. The private fixed refinance rate stays steady at 4.49% over the past month, offering consistency for those preferring predictable payments. Both products present competitive APRs in today’s market. Consider refinancing if your current loan rate exceeds 8%, as these options could lower your interest costs meaningfully. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s refinance student loans maintain steady rates this week, with the variable APR at 4.39% and the fixed APR at 4.49%, unchanged over the past 15 days. These competitive rates offer borrowers an opportunity to lower costs compared to many federal or private loans. Consider refinancing if your current rate exceeds 8%, as these options provide significant savings potential without recent rate increases. For borrowers seeking stable payments, the fixed rate is a reliable choice; variable rates may benefit those expecting to pay off loans sooner. For more details, visit https://partner.lendkey.com/ccuky/refinance,
FINANCIAL PARTNERS CREDIT UNION
As of December 3, 2025, FINANCIAL PARTNERS' refinance student loan rates remain steady with variable loans at 4.39% APR and fixed loans at 4.49% APR, unchanged over the past 15 days. These rates represent some of the most competitive refinancing options currently available for borrowers seeking to lower their student loan costs. Borrowers with existing rates above 8% should consider refinancing, as these stable, low APRs can provide meaningful savings. For more details, visit https://partner.lendkey.com/fpcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of December 3, 2025, FRANKLIN MINT’s refinance student loan rates remain stable, with the variable APR steady at 4.39% and the fixed APR unchanged at 4.49% over the past 30 days. These rates are competitively low in today’s market for credit-based refinance loans, offering borrowers an opportunity to reduce interest costs. Consider refinancing if your current rate exceeds 8%, as these fixed and variable options provide transparent, affordable terms without recent upward pressure. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
MAINSTREET’s refinance student loan rates remain steady this week, with the private variable refinance rate at 4.39% and the private fixed refinance rate at 4.49%, showing no change over the past 7 days. These competitive rates offer borrowers reliable options for lowering their current loan costs. If your existing student loan APR exceeds 8%, refinancing with MAINSTREET could provide meaningful savings. Maintaining consistent rates suggests stable market conditions, making it a practical time to evaluate refinancing benefits based on your personal financial goals. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
LendMesh
School is expensive, but your student loan doesn’t have to be. At LendMesh, we show you options from credit unions and lenders who care about transparency and your long-term success. Start your search at https://www.lendmesh.com/loans/student_loans and get funding that fits your life and your goals.
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Conclusion
With interest rates showing little fluctuation over the past month for most programs, now is an opportune moment for borrowers to consider locking in a rate, especially if you prefer predictability in monthly payments. Even modest changes in APR, such as small drops below 4.5%, can significantly affect your total repayment cost over time. Students and parents should carefully evaluate whether a fixed or variable refinance loan aligns better with their financial goals and risk tolerance. For those with plans to repay quickly or expecting future income growth, variable rates might offer savings; otherwise, the security of fixed-rate loans could be more beneficial. As always, reviewing terms closely and consulting with your credit union can uncover additional benefits like flexible repayment options or member perks. Keep an eye on programs like America’s Christian Credit Union’s competitive low fixed rates or TOGETHER’s nursing-specific loans if you qualify, these could represent urgent opportunities to reduce your borrowing costs before any potential rate increases later this year.