Introduction
As of December 24, 2025, students and parents exploring student loan refinancing have some standout options to consider. For those seeking the lowest fixed rates, America's Christian Credit Union offers private refinance loans starting as low as 3.61% APR, making it one of the most competitive fixed-rate programs available right now. Variable-rate options are equally attractive, with America's Christian Credit Union also leading at a low 3.63% APR. Other credit unions like 1st Advantage, Capital, and Mainstreet hold steady with fixed refinance rates around 4.39%, while their variable rates hover near 4.19%. Parent borrowers will find competitive fixed Parent PLUS loan rates at 4Front Credit Union starting at 4.24% APR. Notably, most rates have remained stable over the past month, signaling a consistent market environment for refinancing decisions. Whether you’re a graduate looking to lower monthly payments or a parent managing educational expenses, today’s data highlights several solid refinancing pathways tailored to diverse financial needs.
Refinance - Student Loans
Credit Union
Product
2025-12-24
(Current Day)
(Current Day)
2025-12-17
(7 Days Ago)
(7 Days Ago)
2025-12-09
(15 Days Ago)
(15 Days Ago)
2025-11-24
(30 Days Ago)
(30 Days Ago)
2025-11-09
(45 Days Ago)
(45 Days Ago)
2025-10-25
(60 Days Ago)
(60 Days Ago)
2025-09-25
(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
4.19
4.39▲ 20 bps
4.47▲ 28 bps
4.47▲ 28 bps
Fixed Rate (fixed) [Refinance]
4.39
4.39
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
4.19
4.39▲ 20 bps
4.47▲ 28 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
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 24, 2025, America's Christian Credit Union’s refinance student loan rates remain steady, with the fixed APR ranging from 3.61% to 11.47% and the variable APR from 3.63% to 11.47%, unchanged over the past 30 days. These competitive rates offer borrowers consistent options for refinancing existing student debt. Consider refinancing if your current rate exceeds 8%, as locking in a fixed or variable rate here could lower your monthly payments and total interest costs. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of December 24, 2025, 1ST ADVANTAGE’s refinance student loan rates show stability in variable options at 4.19% APR, holding steady over the past 15 days but down from 4.39% a month ago. The fixed rate is currently 4.39% APR, slightly decreased from 4.49% fifteen and thirty days ago. The variable refinance loan offers the lowest rate, making it a competitive choice for borrowers seeking flexibility and savings. If your current student loan rate exceeds 8%, consider refinancing to potentially reduce your interest costs. For more details, visit https://partner.lendkey.com/1stadvantage/refinance,
CAPITAL CREDIT UNION
As of December 24, 2025, CAPITAL’s refinance student loan rates remain stable. The private variable refinance rate holds steady at 4.19%, showing no change over the past 30 days. Meanwhile, the private fixed refinance rate decreased slightly from 4.49% to 4.39% in the last 15 days, maintaining its competitiveness. For borrowers with current rates above 8%, refinancing with CAPITAL could reduce interest costs significantly given these low APRs. Assess your loan terms carefully and consider refinancing if potential savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/capitalcu/refinance,
FRANKLIN MINT FEDERAL CREDIT UNION
As of December 24, 2025, FRANKLIN MINT’s refinance student loan rates remain steady with the private variable rate at 4.19% and the private fixed rate at 4.39%, unchanged over the past week. These competitive APRs provide solid options for borrowers seeking to lower their current rates. Consider refinancing if your existing loan exceeds 8%, as these rates could significantly reduce your interest costs. Stability in rates suggests no immediate rush, but monitoring market trends can help optimize timing. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of December 24, 2025, MAINSTREET’s refinance student loan rates remain stable with a slight improvement over the past month. The private variable refinance rate decreased from 4.39% to 4.19%, reflecting a notable 20 bps drop over 30 days, making it the most competitive option currently offered. Meanwhile, the private fixed refinance rate holds steady at 4.39%, down slightly from 4.49% fifteen to thirty days ago. Borrowers with rates above 8% should consider refinancing now to capitalize on these lower APRs and potentially reduce monthly payments or total interest costs. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of December 24, 2025, TOPLINE FINANCIAL’s refinance student loan rates remain steady, with the Variable Student Loan at 4.19% APR and the Fixed Student Loan at 4.39% APR, unchanged over the past week. These competitive rates offer borrowers a low-cost refinancing option compared to typical market levels. Consider refinancing if your current loan rate exceeds 8%, as locking in these lower APRs could reduce overall interest costs and monthly payments. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of December 24, 2025, UNIVERSITY FIRST's refinance student loan rates remain steady with the variable APR holding at 4.19%, down 20 basis points from 30 days ago. The fixed refinance rate is stable at 4.39%, a slight decrease of 10 basis points over the past month. The variable option offers the lowest current rate, making it a competitive choice for borrowers seeking flexibility and savings. Consider refinancing if your existing student loan rates exceed 8%, as these rates may reduce interest costs substantially over time. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
SOARION FEDERAL CREDIT UNION
As of December 24, 2025, SOARION’s refinance student loan rates remain steady with fixed options holding at 4.24% APR across all tracked periods and variable rates stable at 5.75% APR. No rate changes have occurred in the past 30 days, reflecting consistent pricing for borrowers. The fixed-rate loans at 4.24% APR offer the most competitive terms for those seeking predictable payments, while variable loans provide flexibility without recent fluctuations. Borrowers with current student loan rates above 8% should consider refinancing to potentially lower their interest costs. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
4FRONT CREDIT UNION
As of December 24, 2025, 4FRONT's refinance student loan rates remain steady with no changes over the past 7 days. Both Parent PLUS Loans and Refinance Loans offer fixed rates at 4.24% APR, representing the most competitive options currently available. Variable rates for these loans stand at 5.75% APR, also unchanged this month. Borrowers with higher current rates should consider refinancing to secure these lower, stable fixed rates, especially if their existing APR exceeds 8%. Given the rate stability, evaluating potential savings against refinancing costs can guide your decision effectively. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
UNIVERSITY CREDIT UNION
As of December 24, 2025, UNIVERSITY’s Fixed Rate Solution refinance loans remain steady at 4.24% to 11.99% APR, showing no change over the past week. The Variable Rate Solution holds between 6.24% and 12.24% APR, also unchanged from last week. With no rate increases or decreases in recent periods, the fixed-rate option offers the most competitive starting APR at 4.24%, ideal for borrowers seeking predictable payments. Consider refinancing if your current loan rate exceeds 8%, as locking in a lower fixed rate may provide long-term savings. For more details, visit https://ucu.studentchoice.org/refinance/.
LendMesh
Already making student loan payments? You may qualify for a better deal. With LendMesh, you can explore refinancing options from banks and credit unions that could save you money every month. Start fresh at https://www.lendmesh.com/loans/student_loans .
Conclusion
With interest rates holding mostly steady this month, now is an excellent time for borrowers, students and parents alike, to evaluate whether locking in a rate could save money over the life of their loan. Even modest APR shifts of a few hundredths can impact total repayment costs significantly when stretched across many years. Those with variable loans might want to consider switching to fixed-rate programs like those offered by America’s Christian Credit Union or 4Front to gain payment predictability in an uncertain economic climate. Parents should especially review Parent PLUS refinancing options before year-end deadlines close potential savings windows. To make the most informed choice, compare current offers carefully and act promptly if you see a favorable rate matching your financial goals, waiting too long could mean missing out on historically competitive terms that support long-term affordability and peace of mind.