Introduction
As of December 5, 2025, students and parents exploring student loan options can find some of the most competitive rates offered by credit unions across various programs. The lowest fixed rates start impressively low at 2.74% APR through Texas-based credit unions like Fort Worth Community, Greater Texas, and Texans, making their fixed undergraduate and graduate loans highly attractive. For those considering variable rates, ACHIEVA Credit Union presents a broad range starting at 4.12% APR, offering flexible terms for medical, dental, law, MBA, and other professional school loans. Notably, SAFE Credit Union’s cosigned fixed loans range from 2.89% to 15.16%, presenting solid options for borrowers with cosigners. While most rates have remained steady over the past month, AFFINITY and AMERICAN HERITAGE show slight increases in variable rates within the last 15 to 30 days, important to watch if you’re weighing timing on your loan applications. Whether you’re a parent co-signing or a graduate student pursuing specialized education financing, today’s data highlights strong fixed-rate programs with historically low APRs, ideal for locking in affordable borrowing costs this season.
New - Student Loans
Credit Union
Product
2025-12-05
(Current Day)
(Current Day)
2025-11-28
(7 Days Ago)
(7 Days Ago)
2025-11-20
(15 Days Ago)
(15 Days Ago)
2025-11-05
(30 Days Ago)
(30 Days Ago)
2025-10-21
(45 Days Ago)
(45 Days Ago)
2025-10-06
(60 Days Ago)
(60 Days Ago)
2025-09-06
(90 Days Ago)
(90 Days Ago)
Texas Extra Credit (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
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
2.74 - 6.89
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
Medical school loan (variable)
4.12 - 13.71
4.25 - 13.84▲ 13 bps
4.25 - 13.84▲ 13 bps
4.37 - 13.96▲ 25 bps
Dental school loan (variable)
4.12 - 13.72
4.25 - 13.84▲ 13 bps
4.25 - 13.84▲ 13 bps
4.37 - 13.97▲ 25 bps
Law school loan (variable)
4.12 - 13.72
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.97▲ 25 bps
MBA loan (variable)
4.12 - 13.73
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.98▲ 25 bps
Health professions loan (variable)
4.12 - 13.73
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.98▲ 25 bps
Graduate school loan (variable)
4.12 - 13.73
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.98▲ 25 bps
Undergraduate student loan (variable)
4.12 - 16.75
4.25 - 16.87▲ 13 bps
4.25 - 16.87▲ 13 bps
4.37 - 16.99▲ 25 bps
Career training loan (variable)
4.12 - 16.96
4.25 - 17.07▲ 13 bps
4.25 - 17.07▲ 13 bps
4.37 - 17.18▲ 25 bps
Medical school loan (variable)
4.12 - 13.71
4.12 - 13.71
4.25 - 13.84▲ 13 bps
Dental school loan (variable)
4.12 - 13.72
4.12 - 13.72
4.25 - 13.84▲ 13 bps
Health professions loan (variable)
4.12 - 13.73
4.12 - 13.73
4.25 - 13.85▲ 13 bps
Graduate school loan (variable)
4.12 - 13.73
4.12 - 13.73
4.25 - 13.85▲ 13 bps
Undergraduate student loan (variable)
4.12 - 16.75
4.12 - 16.75
4.25 - 16.87▲ 13 bps
Career training loan (variable)
4.12 - 16.96
4.12 - 16.96
4.25 - 17.07▲ 13 bps
Medical school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
Medical school loan (variable)
4.12 - 13.71
4.25 - 13.84▲ 13 bps
4.25 - 13.84▲ 13 bps
4.37 - 13.96▲ 25 bps
4.37 - 13.96▲ 25 bps
Dental school loan (variable)
4.12 - 13.72
4.25 - 13.84▲ 13 bps
4.25 - 13.84▲ 13 bps
4.37 - 13.97▲ 25 bps
4.37 - 13.97▲ 25 bps
Law school loan (variable)
4.12 - 13.72
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.97▲ 25 bps
4.37 - 13.97▲ 25 bps
MBA loan (variable)
4.12 - 13.73
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.98▲ 25 bps
4.37 - 13.98▲ 25 bps
Health professions loan (variable)
4.12 - 13.73
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.98▲ 25 bps
4.37 - 13.98▲ 25 bps
Graduate school loan (variable)
4.12 - 13.73
4.25 - 13.85▲ 13 bps
4.25 - 13.85▲ 13 bps
4.37 - 13.98▲ 25 bps
4.37 - 13.98▲ 25 bps
Undergraduate student loan (variable)
4.12 - 16.75
4.25 - 16.87▲ 13 bps
4.25 - 16.87▲ 13 bps
4.37 - 16.99▲ 25 bps
4.37 - 16.99▲ 25 bps
Career training loan (variable)
4.12 - 16.96
4.25 - 17.07▲ 13 bps
4.25 - 17.07▲ 13 bps
4.37 - 17.18▲ 25 bps
4.37 - 17.18▲ 25 bps
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
Undergraduate student loan (variable)
4.12 - 16.75
4.37 - 16.99▲ 25 bps
4.37 - 16.99▲ 25 bps
4.37 - 16.99▲ 25 bps
Career training loan (variable)
4.12 - 16.96
4.37 - 17.18▲ 25 bps
4.37 - 17.18▲ 25 bps
4.37 - 17.18▲ 25 bps
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, reflecting stable borrowing costs for new education loans. This product offers competitive fixed rates that benefit borrowers seeking predictable payments without rate fluctuations. Students and parents should consider these loans if they prioritize rate stability, especially when current market variability could affect variable options elsewhere. For those with existing loans above 7%, exploring refinancing may provide savings. For more details, visit https://www.ftwccu.org/home/loans/student-loans.
GREATER TEXAS FEDERAL CREDIT UNION
As of December 5, 2025, GREATER TEXAS’s Fixed Rate Loan maintains a stable APR range between 2.74% and 6.89%, showing no change over the past 30 days. This consistency makes it one of the most competitive fixed-rate options available for new student loans today. Borrowers seeking predictable payments may find this product advantageous given its steady rates. Consider locking in rates now if your current loan exceeds 7%, as these fixed terms offer stability without recent increases. For more details, visit https://www.gtfcu.org/greater-texas-cu/loans/personal/private-education-loan.
TEXANS CREDIT UNION
As of December 5, 2025, TEXANS Private Student Loan rates remain steady at 2.74% to 6.89% APR, unchanged over the past 30 days. This fixed-rate product offers competitive pricing for borrowers seeking predictable payments without rate fluctuations. For students and parents comparing loan options, locking in a rate under 7% can provide cost certainty amid market volatility. Consider this loan if your current financing exceeds these rates or if you prefer fixed repayment terms. For more details, visit https://www.texanscu.org/products/loans/student-loans/private-student-loan.
SAFE CREDIT UNION
As of December 5, 2025, SAFE’s cosigned loan rates remain stable, holding at 2.89% to 15.16% APR, with a slight uptick of 5 basis points over the past 15 days on the upper end. Meanwhile, non-cosigned variable loans saw a modest decline from 4.24% to 4.17% APR at the low end over 15 days, reflecting improved borrowing terms for those without cosigners. For borrowers seeking the most competitive fixed options, cosigned loans offer rates below 3% at the low end. Consider evaluating your current loan rate against these figures; refinancing may be beneficial if your APR exceeds 8%, especially with stable or declining variable rates. For more details, visit https://partners.ascentfunding.com/safe-cu?utm_source=partner&referral_code=partner_safe-credit-union-rvs-site-listing&utm_medium=safe-credit-union-rvs-site-listing,
ACHIEVA CREDIT UNION
As of December 5, 2025, ACHIEVA CREDIT UNION offers competitive fixed and variable student loans across multiple programs. Fixed rates start as low as 2.89% APR for medical, dental, MBA, health professions, law, graduate, undergraduate, and career training loans, with undergraduate and career training fixed loans reaching up to 17.49% and 17.64% APR, respectively. Variable rates begin at 4.12% APR, with upper limits ranging from 13.71% to 16.96% depending on the program. Since these are new product offerings, no historical rate trends are available yet. Borrowers should compare fixed versus variable options carefully; consider fixed loans for rate stability and variable loans if you anticipate lower interest costs over time. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000226&dtd_cell=SMLRSOPACUCUCMOTAKM1096N010000.
AFFINITY FEDERAL CREDIT UNION
As of December 5, 2025, AFFINITY’s new student loan rates remain stable across all fixed programs, with Medical and Dental school loans starting at 2.89% APR, maintaining the lowest entry rates for specialized professional education. Variable rates for these programs saw slight decreases from 4.25% to 4.12% APR, reflecting modest market improvements over the past 15 to 30 days. Notably, undergraduate fixed loans hold a wider range up to 17.49% APR, while variable undergraduate rates improved slightly to 4.12 , 16.75% APR. Borrowers with rates above 8% should evaluate options carefully; refinancing may offer savings if rate reductions outweigh fees. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000004&dtd_cell=SMLRSOPACUCURCOTAFV0986N010000,
ALLSOUTH FEDERAL CREDIT UNION
As of December 5, 2025, ALLSOUTH’s new student loan rates remain stable with no changes in the past week. Fixed APRs for specialized programs like Medical and Dental school loans hold steady between 2.89% and 14.98%, while variable rates slightly decreased compared to 30 days ago, for example, the Medical school variable loan dropped from 4.25% to 4.12% at the low end. The most competitive options continue to be fixed loans for professional schools starting as low as 2.89% APR. Borrowers with rates above 8% should evaluate these offerings and consider refinancing if potential savings outweigh fees. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000350&dtd_cell=SMLRSOPACUCUCMOTANW1183N030000.
ALTAONE FEDERAL CREDIT UNION
As of December 5, 2025, ALTAONE’s new student loan rates show a consistent range across programs, with fixed APRs starting as low as 2.89% for Medical, Dental, MBA, Health Professions, Law, and Graduate School loans. The most competitive fixed rates remain at 2.89%, while Undergraduate and Career Training fixed loans extend up to 17.49% and 17.64%, respectively. Variable rate loans start higher at 4.12%, reaching up to about 16.96% for Career Training programs. Since no prior data is available, no rate trends can be confirmed yet. Borrowers should focus on fixed-rate options under 3% if stability is a priority; consider variable loans cautiously due to their wider APR spread. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000163&dtd_cell=SMLRSOPACUCUCMOTAJC1060N010000.
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of December 5, 2025, AMERICAN HERITAGE student loan rates remain stable across all new fixed and variable products compared to 15 and 30 days ago. Notably, fixed medical, dental, MBA, health professions, law, and graduate loans maintain a competitive low-end APR of 2.89%, with no upward movement. Variable rates for these programs have slightly decreased from around 4.25% to 4.12% on the low end over the past two weeks. The most affordable options are fixed loans for professional degrees starting at 2.89% APR. Borrowers with current rates above 8% should consider switching to these competitive products to reduce interest costs. For more details, visit https://www.salliemae.com/landing/student-loans/?RefID=1987000001&CoBrandingID=001143&dtd_cell=SMLRSOPTRPSSN010297.
APPLE FEDERAL CREDIT UNION
As of December 5, 2025, APPLE credit union offers new student loans with fixed rates starting at 2.89% for programs including medical, dental, MBA, law, and graduate school loans. Variable rates begin at 4.12%, while residency and bar exam loans carry higher fixed and variable ranges from about 6.40% to 16.49% APR. These rates are newly introduced with no prior data for comparison; however, the lowest fixed rates at 2.89% represent highly competitive financing for specialized education loans. Borrowers should compare current rates against existing loans and consider refinancing if their rate exceeds 8% to reduce costs over time. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000159&dtd_cell=SMLRSOPACUCUCMOTAIL1043N010000.
LendMesh
You’ve worked hard to get into college—now let’s find a loan that works hard for you. LendMesh connects you with competitive student loan options from credit unions and banks who care about your future. Compare offers now at https://www.lendmesh.com/loans/student_loans .
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Conclusion
Looking ahead, students and families should consider locking in fixed-rate loans now to secure predictable monthly payments amid minor fluctuations in variable APRs observed recently. Even small changes , as little as 0.1% to 0.2% , can impact total repayment amounts over time, especially on larger balances like medical or law school loans. Borrowers targeting professional or graduate programs should evaluate both fixed and variable options carefully; while variable rates offer potential savings when markets stabilize, fixed rates provide peace of mind against future increases. Parents co-signing might find the stable offerings from credit unions like SAFE particularly reassuring. To make the most informed decision, compare current rates closely, consult with your credit union about rate lock policies, and act promptly if you spot favorable terms that match your financial goals. With year-end approaching, now is a strategic moment to secure financing for upcoming semesters or career training , don’t miss out on these competitive opportunities before rates potentially shift again.