Introduction
As of December 10, 2025, students, parents, and graduates seeking student loan refinancing have some strong options to consider. For those looking for the lowest rates, America’s Christian Credit Union leads with private refinance loans starting as low as 3.61% APR fixed and 3.63% APR variable, offering flexibility for different financial situations. If you prefer shorter-term refinance options, Navigant Credit Union presents competitive fixed rates ranging from 3.99% for a 5-year term up to 5.99% for a pay-later 15-year refinance, ideal for borrowers aiming to pay down debt faster or ease monthly payments. Additionally, several credit unions including 1st Advantage, Capital, Cyprus, Mainstreet, Topline Financial, and University First offer consistent variable rates around 4.19% and fixed rates at about 4.49%, providing steady choices for those prioritizing stability. Whether you’re refinancing undergraduate or graduate loans or managing parent loans, today’s data highlights competitive options across varied terms and rate types to help families make informed decisions.
Refinance - Student Loans
Credit Union
Product
2025-12-10
(Current Day)
(Current Day)
2025-12-03
(7 Days Ago)
(7 Days Ago)
2025-11-25
(15 Days Ago)
(15 Days Ago)
2025-11-10
(30 Days Ago)
(30 Days Ago)
2025-10-26
(45 Days Ago)
(45 Days Ago)
2025-10-11
(60 Days Ago)
(60 Days Ago)
2025-09-11
(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 - 8.81
4.15 - 9.31
4.15 - 9.31
Variable Rate (variable) [Refinance]
4.19
4.39▲ 20 bps
4.39▲ 20 bps
4.39▲ 20 bps
4.47▲ 28 bps
Variable Student Loan (variable) [Refinance]
4.19
4.39▲ 20 bps
4.39▲ 20 bps
4.47▲ 28 bps
Refinance Student Loans (variable) [Refinance]
4.19
4.47▲ 28 bps
4.47▲ 28 bps
Refinance Student Loans (variable) [Refinance]
4.19
4.39▲ 20 bps
4.39▲ 20 bps
4.39▲ 20 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of December 10, 2025, AMERICA'S CHRISTIAN student loan refinance rates remain steady with no changes over the past 30 days. The Private Refinance Loan (fixed) APR ranges from 3.61% to 11.47%, and the variable option spans 3.63% to 11.47%. Both products offer competitive low starting rates for borrowers seeking to lower their payments or interest costs. Consider refinancing if your current rate exceeds 8%, as these stable options may provide significant savings without rate volatility concerns. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
NAVIGANT CREDIT UNION
NAVIGANT’s refinance student loan rates are currently set at 3.99% to 7.89% for 5-year fixed terms, 4.74% to 7.99% for 10-year fixed, and 4.99% to 8.04% for 15-year fixed loans. The Pay Later 15-Year Refinance option ranges from 5.99% to 8.99% APR. Since no prior data is available, rate trends cannot be assessed this week. Borrowers with existing loans above 8% APR should consider refinancing, especially with NAVIGANT’s competitive 5-year fixed rates starting below 4%. Refinancing can lower costs when potential savings exceed associated fees. For more details, visit https://www.risla.com/refi-student-loans-navigant,
ST. MARY'S BANK CREDIT UNION
As of December 10, 2025, ST. MARY'S BANK’s EdvestinU Refinance Loan (fixed) maintains a stable rate range of 4.15% to 8.81% APR, unchanged over the past 7 days and consistent with recent data. This product offers competitive fixed rates ideal for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds 8%, as locking in a lower fixed APR could reduce overall interest costs. Stability in rates suggests no immediate pressure to rush; evaluate potential savings carefully against any refinancing fees before proceeding. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of December 10, 2025, 1ST ADVANTAGE's variable refinance rate decreased to 4.19%, down 20 basis points from one week ago and maintaining a steady decline from the past 30 days. The fixed refinance rate remains unchanged at 4.49% over the last month. The variable option now offers the most competitive APR for borrowers seeking to lower their student loan costs. Consider refinancing if your current rate exceeds 8%, especially with variable rates trending downward; this can lead to meaningful savings over time. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of December 10, 2025, CAPITAL’s refinance student loan rates show stability with the private variable rate dropping to 4.19%, down 20 bps from a week ago and 20 bps over 30 days. The private fixed rate remains steady at 4.49% throughout the past month. The variable option currently offers the most competitive APR, reflecting recent market shifts. Borrowers with higher existing rates should consider refinancing to benefit from these lower terms, especially if their current APR exceeds 8%. Evaluate potential savings against refinancing costs to make an informed decision. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
CYPRUS FEDERAL CREDIT UNION
As of December 10, 2025, CYPRUS’s Variable Student Loan refinance rate decreased to 4.19%, down 20 basis points from 7 and 15 days ago, marking the most competitive option currently available. The Fixed Student Loan refinance rate remains steady at 4.49% with no recent changes. Borrowers with rates above 8% should consider refinancing now to take advantage of these lower APRs and reduce interest costs over time. For detailed terms and eligibility, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of December 10, 2025, MAINSTREET's refinance student loan rates show a modest improvement in variable rates, with the private variable APR at 4.19%, down 20 bps from 7 and 15 days ago. The private fixed APR remains steady at 4.49% over the past month. The variable option currently offers the most competitive rate for borrowers seeking flexibility. Consider refinancing if your current rate exceeds 8%, as MAINSTREET’s rates provide meaningful savings potential. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of December 10, 2025, TOPLINE FINANCIAL’s refinance student loan rates show a notable improvement. The variable refinance rate dropped from 4.47% to 4.19% over 30 days, marking a significant 28 bps decrease. Meanwhile, the fixed refinance rate remains steady at 4.49%, unchanged from 30 days ago. The lowest rate currently is the variable option at 4.19%, offering borrowers potential savings compared to fixed rates. Consider refinancing if your current loan APR exceeds 8%, as these rates could lower your monthly payments and total interest cost. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of December 10, 2025, UNIVERSITY FIRST’s refinance student loan rates show a notable improvement in variable APRs, dropping from 4.39% to 4.19% over the past week. Fixed rates remain steady at 4.49%, unchanged for the last 30 days. The variable refinance loan offers the most competitive rate currently, with a 20 basis point decrease in just seven days. Borrowers with existing loans above 8% APR should consider refinancing to take advantage of these lower rates, potentially reducing their interest burden significantly. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
SOARION FEDERAL CREDIT UNION
As of December 10, 2025, SOARION’s refinance student loan rates remain steady with fixed-rate options at 4.24% APR across all fixed products for up to 30 days. Variable-rate loans also hold firm at 5.75% APR with no change in the past month. These consistent rates highlight SOARION’s competitive offerings for borrowers seeking stability or flexibility. Consider refinancing if your current rate exceeds 8%, as locking in a fixed rate near 4.24% could reduce overall interest costs. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
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Conclusion
With student loan rates showing relative stability but slight shifts in variable offerings, such as 1st Advantage’s drop from 4.39% to 4.19% variable APR this week, now is a smart time to evaluate your refinancing strategy carefully. Borrowers who plan to stay in their loans long-term should consider locking in a fixed rate to protect against future increases, especially since even small APR improvements can save hundreds over time. Parents co-signing or refinancing should watch programs like Navigant’s pay-later options for tailored repayment flexibility. Remember, refinancing isn’t just about finding the lowest rate; it’s about matching terms to your financial goals and cash flow needs. For anyone weighing options today, starting an application soon could lock in these attractive rates before year-end changes occur, a practical move toward easing your student debt burden in the new year.