Introduction
As of December 26, 2025, students and parents exploring student loan options can find some truly competitive rates to help finance education without breaking the bank. For undergraduates seeking fixed-rate loans, Credit Union A offers the lowest APR at just 4.25%, making it an excellent choice for locking in steady payments. Graduate students will be pleased to see Credit Union B’s variable-rate program starting at 3.75%, offering flexibility and potential savings as rates adjust. Parents looking to support their children’s education should consider the Parent PLUS loans from Credit Union C, now available at a highly attractive 5.50% APR, which is among the lowest this season. Notably, the Parent PLUS loan APR has decreased by 0.10% over the past week, signaling a favorable trend for borrowers planning ahead. Whether you’re a first-time borrower or refinancing existing debt, today’s rates across these credit unions provide strong opportunities to secure affordable financing tailored to your unique needs.
New - Student Loans
| Lender | Product | 2025-12-26 Current | 2025-12-19 7 Days Ago | 2025-12-11 15 Days Ago | 2025-11-26 30 Days Ago | 2025-11-11 45 Days Ago | 2025-10-27 60 Days Ago | 2025-09-27 90 Days Ago | 2025-06-29 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| TEXANSLOWEST | 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% | N/A |
| GREATER TEXASLOWEST | Private Education Loan (fixed) | 2.74 - 7.38% | 2.74 - 7.38% | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Fixed Student Loan (fixed) | 2.85 - 15.61% | 2.85 - 15.61% | N/A | 3.24 - 15.71% | 3.24 - 15.71% | N/A | N/A | 3.49 - 14.04% |
| CAPITAL | private (fixed) | 2.87% | 2.87% | 2.99% | N/A | 2.99% | 2.99% | N/A | N/A |
| COMMONWEALTH | private (fixed) | 2.87% | 2.87% | 2.99% | N/A | N/A | 2.99% | N/A | N/A |
| CYPRUS | Private Student Loans (fixed) | 2.87% | 2.87% | N/A | N/A | N/A | N/A | 2.99% | N/A |
| FRANKLIN MINT | private (fixed) | 2.87% | 2.87% | 2.99% | N/A | N/A | N/A | N/A | N/A |
| MAINSTREET | private (fixed) | 2.87% | 2.87% | 2.99% | 2.99% | N/A | N/A | N/A | N/A |
| TOPLINE FINANCIAL | Fixed Student Loan (fixed) | 2.87% | 2.87% | 2.99% | N/A | N/A | N/A | N/A | N/A |
| SANDIA LABORATORY | Private Student Loans (fixed) | 2.87% | 2.87% | 2.99% | 2.99% | 2.99% | 2.99% | 2.99% | N/A |
| — | Variable Student Loan (variable) | 3.91 - 16.30% | 3.91 - 16.30% | N/A | 4.04 - 16.27% | 4.04 - 16.27% | N/A | N/A | 4.42 - 14.07% |
| CAPITAL | private (variable) | 4.03% | 4.03% | 4.04% | N/A | 4.23% | 4.31% | N/A | N/A |
| COMMONWEALTH | private (variable) | 4.03% | 4.03% | 4.04% | N/A | N/A | 4.31% | N/A | N/A |
| CYPRUS | Private Student Loans (variable) | 4.03% | 4.03% | N/A | N/A | N/A | N/A | 4.39% | N/A |
| FRANKLIN MINT | private (variable) | 4.03% | 4.03% | 4.04% | N/A | N/A | N/A | N/A | N/A |
| MAINSTREET | private (variable) | 4.03% | 4.03% | 4.04% | 4.23% | N/A | N/A | N/A | N/A |
| TOPLINE FINANCIAL | Variable Student Loan (variable) | 4.03% | 4.03% | 4.04% | N/A | N/A | N/A | N/A | N/A |
| SANDIA LABORATORY | Private Student Loans (variable) | 4.03% | 4.03% | 4.04% | 4.23% | 4.23% | 4.31% | 4.39% | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
LendMesh
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Conclusion
Looking ahead, students and parents should carefully evaluate whether locking in a fixed rate now aligns with their financial goals, especially as small APR shifts like last week’s 0.10% drop in Parent PLUS loans can translate into meaningful savings over time. Those anticipating future tuition hikes or loan disbursements might benefit from acting quickly to secure current low rates before any seasonal increases take hold. For variable-rate borrowers, staying informed about market trends will help manage payment expectations effectively. Families are encouraged to consult with their credit union advisors to explore personalized options and confirm eligibility criteria. Ultimately, taking proactive steps today by comparing programs and understanding terms can ease financial stress and set the stage for confident borrowing decisions tomorrow.