Introduction
As of December 12, 2025, students and parents exploring student loan options can find some of the most competitive rates available through several credit unions. The standout choice for fixed-rate loans is offered by EECU, GREATER TEXAS, and TEXANS Credit Unions with rates starting as low as 2.74% APR, making these programs ideal for borrowers seeking stable monthly payments without surprises. For those considering private loans, multiple credit unions such as CAPITAL, COMMONWEALTH, CYPRUS, and GREAT LAKES are offering attractive fixed rates beginning at 2.87% APR and variable rates around 4.03% APR. These consistent offerings provide a range of flexible financing solutions for undergraduates, graduates, and parents alike. Whether you're locking in a fixed rate to avoid future increases or exploring variable options that might drop over time, today’s data highlights solid opportunities to secure affordable education financing.
New - Student Loans
Credit Union
Product
2025-12-12
(Current Day)
(Current Day)
2025-12-05
(7 Days Ago)
(7 Days Ago)
2025-11-27
(15 Days Ago)
(15 Days Ago)
2025-11-12
(30 Days Ago)
(30 Days Ago)
2025-10-28
(45 Days Ago)
(45 Days Ago)
2025-10-13
(60 Days Ago)
(60 Days Ago)
2025-09-13
(90 Days Ago)
(90 Days Ago)
Fixed Rate Loan (fixed)
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
Fixed Student Loan (fixed)
2.87
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
Variable Student Loan (variable)
4.03
4.23▲ 20 bps
4.23▲ 20 bps
4.23▲ 20 bps
4.31▲ 28 bps
4.31▲ 28 bps
Private Student Loans (fixed)
2.87
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
Private Student Loans (variable)
4.03
4.23▲ 20 bps
4.23▲ 20 bps
4.31▲ 28 bps
4.39▲ 36 bps
Private Student Loans (fixed)
2.87
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
2.99▲ 12 bps
Private Student Loans (variable)
4.03
4.23▲ 20 bps
4.23▲ 20 bps
4.23▲ 20 bps
4.31▲ 28 bps
4.31▲ 28 bps
4.39▲ 36 bps
EECU CREDIT UNION
EECU’s Texas Extra Credit Education Loan (fixed) offers competitive rates ranging from 2.74% to 6.89% APR for new borrowers as of December 12, 2025. Since this is a new product with no prior data, rate trends are unavailable; however, these fixed rates remain attractive for students and parents seeking predictable payments. Borrowers with current loans above 7% APR should consider EECU’s lower fixed-rate option to reduce interest costs over time. For more details, visit https://eecu.org/personal-banking/loans/products/student-loans.
GREATER TEXAS FEDERAL CREDIT UNION
GREATER TEXAS’s Fixed Rate Loan remains steady at 2.74% to 6.89% APR, showing no change over the past 30 days. This consistent pricing offers predictability for borrowers seeking stable payments without rate fluctuations. The lowest APR of 2.74% makes this product competitive for students and parents prioritizing fixed costs. For those with current loans above 7%, exploring this option could reduce interest expenses effectively. Consider refinancing if your existing rate exceeds these ranges to benefit from GREATER TEXAS’s stable, affordable financing. For more details, visit https://www.gtfcu.org/greater-texas-cu/loans/personal/private-education-loan.
TEXANS CREDIT UNION
As of December 12, 2025, TEXANS Private Student Loan (fixed) rates remain steady at 2.74% to 6.89% APR, showing no change over the past 30 days. This stability offers a competitive option for borrowers seeking predictable payments without rate fluctuations. For students and parents considering new loans, locking in a fixed rate under 7% can provide financial certainty. If your current loan rate exceeds this range, evaluating TEXANS’ private student loan may offer cost savings. For more details, visit https://www.texanscu.org/products/loans/student-loans/private-student-loan.
CAPITAL CREDIT UNION
As of December 12, 2025, CAPITAL’s new private student loan rates show improvement over the past month. The fixed-rate loans decreased from 2.99% to 2.87% APR, reflecting a 12 basis point drop, making them the most competitive option for borrowers seeking stable payments. Meanwhile, variable-rate loans fell from 4.23% to 4.03% APR, a 20 basis point decrease, offering potential savings if rates remain low. For students and parents comparing options, fixed loans provide predictable costs with lower rates, while variable loans may benefit those comfortable with rate fluctuations. Consider refinancing if your current rate exceeds these benchmarks. For more details, visit https://partner.lendkey.com/capitalcu/student.
COMMONWEALTH FEDERAL CREDIT UNION
As of December 12, 2025, COMMONWEALTH’s new private student loans show a favorable trend. The fixed-rate loan dropped from 2.99% a week ago to 2.87% today, reflecting a 12 bps decrease, making it the most competitive option for borrowers seeking rate stability. Meanwhile, the variable-rate loan also improved, falling 20 bps from 4.23% last week to 4.03% today. Both products have become more affordable over the past week, suggesting a good opportunity for new borrowers. Consider fixed rates for predictable payments and variable if you anticipate rates staying low; refinancing may be beneficial if your current APR exceeds these levels. For more details, visit https://partner.lendkey.com/ccuky/student,
CYPRUS FEDERAL CREDIT UNION
As of December 12, 2025, CYPRUS’s Fixed Student Loan rate decreased to 2.87%, down from 2.99% over the past week and month, marking a 12 bps drop. The Variable Student Loan rate also fell to 4.03%, improving by 20 bps since last week. These declines make CYPRUS’s fixed loan the most competitive option for borrowers seeking stability, while variable loans remain attractive for those anticipating lower rates. Borrowers with existing loans above 5% should consider refinancing, especially if savings exceed refinancing costs. For more details, visit https://partner.lendkey.com/cypruscu/student.
FRANKLIN MINT FEDERAL CREDIT UNION
FRANKLIN MINT’s new student loan rates show a fixed private loan APR at 2.87% and a variable private loan APR at 4.03%, both newly available with no prior data for comparison. The fixed-rate product offers the most competitive option for borrowers seeking rate stability. Students and parents should evaluate fixed loans to lock in low rates, especially if current debt carries higher interest. Variable loans may suit those expecting rate decreases but involve more risk. For borrowers with rates above 8%, exploring these new options could provide meaningful savings. For more details, visit https://partner.lendkey.com/fmfcu/student,
GREAT LAKES CREDIT UNION
As of December 12, 2025, GREAT LAKES’ new Private Student Loans show a slight improvement in rates. The fixed APR dropped to 2.87%, down from 2.99% a week ago, marking a 12 bps decline over 7 days. The variable APR also improved to 4.03%, decreasing by 20 bps compared to last week. These are the most competitive rates in recent weeks, with fixed loans offering the lowest APR at under 3%. Borrowers should consider these options if current rates exceed these benchmarks; refinancing may be beneficial when savings outweigh fees. For more details, visit https://partner.lendkey.com/glcu/student?__hstc=82105801.bdbfcba61719796be4eb29a442327e32.1657548364688.1695070829481.1695127623026.512&__hssc=82105801.2.1695127623026&__hsfp=1366844671.
MAINSTREET FEDERAL CREDIT UNION
As of December 12, 2025, MAINSTREET’s new private student loan rates show improvement. The fixed-rate product dropped to 2.87% APR, down 12 basis points from a week ago and steady compared to two weeks prior. The variable-rate loan also decreased to 4.03% APR, falling 20 basis points in the last seven days. These represent some of the most competitive rates available for new education financing today. Borrowers with higher current rates should consider switching to MAINSTREET’s private fixed or variable loans, especially if potential savings exceed refinancing costs. For more details, visit https://partner.lendkey.com/mainstreetcu/student.
SUNWARD FEDERAL CREDIT UNION
As of December 12, 2025, SANDIA LABORATORY's new Private Student Loans show a modest decline in fixed rates to 2.87%, down 12 bps from one week ago and steady below the 30-day rate of 2.99%. Variable rates also improved, falling to 4.03%, a 20 bps drop compared to last week and stable over the past month. These rates represent competitive options for borrowers seeking affordable education financing. Consider fixed loans for rate stability or variable loans if you anticipate rate decreases. For borrowers with current rates above 8%, exploring these lower APRs could yield meaningful savings. For more details, visit https://partner.lendkey.com/sfcu/student.
LendMesh
The cost of higher education is rising—but your interest rate doesn’t have to. LendMesh helps students and families discover affordable loan options with clear terms and no surprises. Start exploring smart ways to pay for school at https://www.lendmesh.com/loans/student_loans .
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Conclusion
With student loan rates holding steady across the board this week, now is an excellent time for borrowers, especially those eyeing fixed-rate loans, to consider locking in their APRs before any potential market shifts occur. Even small changes in APR, like the minor drops seen in some fixed programs (e.g., CAPITAL’s decrease from 2.99% to 2.87%), can translate into meaningful savings over the life of a loan. Parents and graduates should weigh whether a fixed or variable rate aligns best with their financial plans and risk tolerance. Keep an eye on your preferred credit union’s offerings and act on competitive fixed rates under 3%, which remain relatively rare and valuable in today’s lending environment. To move forward confidently, gather your financial documents now and reach out to these credit unions for personalized advice, securing a favorable rate today can significantly ease your education funding journey tomorrow.