December 19, 2025: Lowest Student Loan Rates Hold at 3.61% Fixed Refinance

As of December 19, 2025, college students, parents, and graduates searching for the most affordable student loan options have several strong choices from credit unions. Today’s standout offer is a fixed undergraduate loan at an impressively low 4.25% APR from MidState Credit Union, perfect for undergrads seeking stable monthly payments. For graduate students, Northwest Credit Union leads with a competitive variable rate starting at 5.10% APR, ideal for those comfortable with potential fluctuations but wanting initial savings. Parents looking to finance their child’s education will find the Parent PLUS loan at 6.50% APR from Valley Community Credit Union especially attractive, maintaining steady rates with minimal recent change. Notably, some programs saw slight adjustments this week, MidState’s fixed graduate rate decreased by 0.10%, offering even better value for advanced degree seekers. Whether you’re locking in fixed rates or exploring variable options, today’s credit union offerings present solid opportunities to manage educational costs wisely.