Introduction
As of December 17, 2025, students and parents exploring refinancing options will find some of the most competitive student loan rates available today. For those seeking the lowest fixed-rate refinance options, America's Christian Credit Union stands out with rates starting at an attractive 3.61% APR. Variable rate options also remain compelling, with America’s Christian offering rates from 3.63% APR. Meanwhile, several credit unions including 1st Advantage, Capital, Commonwealth, Franklin Mint, Mainstreet, Topline Financial, and University First offer solid variable and fixed refinance rates clustered around 4.19% to 4.39% APR , a strong range for borrowers looking for flexibility and predictability. Parent PLUS loan refinancing is also notable at 4Front Credit Union with fixed rates beginning at 4.24% APR, providing parents with competitive opportunities to reduce their debt burden. With many credit unions holding steady over the past month, today’s market offers stable and affordable refinancing choices tailored to graduates and families alike.
Refinance - Student Loans
Credit Union
Product
2025-12-17
(Current Day)
(Current Day)
2025-12-10
(7 Days Ago)
(7 Days Ago)
2025-12-02
(15 Days Ago)
(15 Days Ago)
2025-11-17
(30 Days Ago)
(30 Days Ago)
2025-11-02
(45 Days Ago)
(45 Days Ago)
2025-10-18
(60 Days Ago)
(60 Days Ago)
2025-09-18
(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
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
3.63 - 11.47
Variable Rate (variable) [Refinance]
4.19
4.19
4.39▲ 20 bps
4.39▲ 20 bps
4.47▲ 28 bps
4.47▲ 28 bps
Fixed Rate (fixed) [Refinance]
4.39
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
4.19
4.19
4.39▲ 20 bps
4.39▲ 20 bps
4.47▲ 28 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
Refinance Variable Rate Loan (variable) [Refinance]
5.75
5.75
5.75
5.75
5.75
5.75
AMERICA'S CHRISTIAN CREDIT UNION
As of December 17, 2025, AMERICA'S CHRISTIAN credit union’s private refinance loan rates remain steady, with fixed APRs ranging from 3.61% to 11.47% and variable rates from 3.63% to 11.47%, unchanged over the past 30 days. These stable rates provide reliable options for borrowers seeking to lower costs or simplify payments. The fixed-rate product offers the lowest starting APR at 3.61%, making it a competitive choice for those prioritizing payment predictability. Borrowers with current loans above 8% should consider refinancing to capture potential savings, especially given the consistent rate environment. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of December 17, 2025, 1ST ADVANTAGE’s refinance student loan rates show stability in variable options at 4.19% APR, unchanged over the past week and down 20 basis points from 15 days ago. The fixed rate decreased by 10 basis points this week to 4.39% APR, marking a notable drop from 30 days ago when it held steady at 4.49%. The variable rate remains the most competitive choice for borrowers seeking lower initial costs, while the fixed rate offers consistent terms at a reduced level. Consider refinancing if your current loan exceeds 8%, as these rates provide meaningful savings potential. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of December 17, 2025, CAPITAL’s refinance student loan rates remain stable, with the private variable rate steady at 4.19%, unchanged from 7 days ago but down 20 bps from 15 days prior. The private fixed rate decreased slightly to 4.39%, dropping 10 bps over the past week and 10 bps since two weeks ago. These competitive rates offer borrowers an opportunity to lower costs compared to many standard federal and private loans. Consider refinancing if your current rate exceeds 8%, as these options could reduce interest expenses significantly. For more details, visit https://partner.lendkey.com/capitalcu/refinance,
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s private refinance student loans offer competitive rates today, with the variable APR at 4.19% and the fixed APR at 4.39%. Since these are new rate offerings without previous data, no trend movement is available yet. The variable option presents the lowest current rate, making it an attractive choice for borrowers seeking flexibility. Consider refinancing if your existing student loan rates exceed these levels, as locking in rates under 4.5% could reduce your overall interest costs. For more details, visit https://partner.lendkey.com/ccuky/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of December 17, 2025, FRANKLIN MINT offers competitive refinance student loans with a 4.19% APR for private variable and 4.39% APR for private fixed rates. Since there is no prior data, rate trends are unavailable; however, these rates are notably low in today’s market. Borrowers with existing student loans above 8% should consider refinancing to potentially lower their interest costs. The variable rate product stands out as the most affordable option currently. Evaluate your current loan terms against these rates to determine if refinancing makes financial sense.
For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of December 17, 2025, MAINSTREET’s private refinance rates show stability with the variable APR holding steady at 4.19% over the past week and down 20 bps from 15 days ago. The fixed rate decreased slightly to 4.39%, improving by 10 bps compared to a week ago and down 10 bps from two weeks prior. These competitive rates make refinancing an attractive option for borrowers with existing loans above 8%. Consider refinancing if your current rate exceeds these levels, as MAINSTREET offers consistent savings potential. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
TOPLINE FINANCIAL’s refinance student loan rates are currently set at 4.19% APR for the Variable Student Loan and 4.39% APR for the Fixed Student Loan, with no previous data available for comparison. These competitive rates provide an opportunity for borrowers to consider refinancing, especially if their existing rates exceed 8%. With variable rates starting as low as 4.19% APR, this option may offer significant savings depending on individual circumstances. Borrowers should evaluate potential long-term benefits against current loan terms and fees. For more details, visit https://partner.lendkey.com/topline/refinance,
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of December 17, 2025, UNIVERSITY FIRST’s refinance student loan rates show modest improvements. The variable refinance rate holds steady at 4.19%, down from 4.39% fifteen and thirty days ago, marking a notable 20 bps decrease over the past month. Meanwhile, the fixed refinance rate decreased slightly to 4.39%, down 10 bps compared to one week ago but unchanged over 15 and 30 days. The variable option currently offers the most competitive APR for borrowers seeking flexibility. Consider refinancing if your current loan rate exceeds 8%, as these lower rates can reduce your overall interest costs. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
SOARION FEDERAL CREDIT UNION
As of December 17, 2025, SOARION’s refinance student loan rates remain steady with fixed-rate products all at 4.24% APR for today and the past week, reflecting no change over 30 days. Variable-rate refinance loans are unchanged at 5.75% APR, consistent across all recent periods. The most competitive options are the fixed-rate refinance loans at 4.24% APR, offering stable and predictable payments. Borrowers with current loans above 8% APR should consider refinancing to these lower rates, especially if potential savings outweigh refinancing costs. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
4FRONT CREDIT UNION
As of December 17, 2025, 4FRONT’s refinance student loan rates are stable with no prior data for direct comparison. The most competitive fixed-rate options include Parent PLUS Loans and Refinance Loans at 4.24% APR, while variable rates stand at 5.75% APR for both product types. Borrowers with higher current rates should consider refinancing to secure these lower fixed or variable APRs. With no recent rate changes reported, the focus remains on locking in favorable terms now. Consider refinancing if your existing student loan rate exceeds 8%, as 4FRONT offers notably lower refinance rates today. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
LendMesh
Planning ahead for next semester? Don’t wait until tuition is due. LendMesh helps you explore student loan offers now—so you can lock in the best rates before deadlines hit. Compare today at https://www.lendmesh.com/loans/student_loans and stay ahead of the curve.
Conclusion
Looking ahead, now is an excellent time for borrowers who prefer certainty to consider locking in fixed rates near the current lows, especially if you anticipate rising interest rates or plan to refinance soon. Even small APR differences matter over the life of a loan; for example, a drop or rise of just a few hundredths of a percent can translate into significant savings on monthly payments and total interest paid. Parents weighing Parent PLUS refinancing should watch for any emerging shifts but can feel confident in solid fixed rates around 4.24%. Students considering variable-rate loans should remain mindful of market fluctuations but can benefit from historically low starting points like those offered by America’s Christian Credit Union. For all borrowers, taking timely action to compare offers and lock favorable terms could be key to managing long-term financial health, so gather your documents, review your credit union’s latest offers, and reach out soon to secure the best possible rate before any market changes take hold.