Introduction
As we wrap up 2025 on December 31st, students and parents seeking smart financing options can find some of the most competitive student loan refinance rates available today. For those looking to lower monthly payments or simplify debt, America’s Christian Credit Union stands out with its private refinance loans offering fixed rates as low as 3.61% APR and variable rates starting at 3.63% APR, ideal for borrowers who want predictable or flexible payment plans. Meanwhile, Navigant Credit Union presents strong fixed-rate refinance options ranging from 3.99% to 8.99% APR across 5-, 10-, and 15-year terms, providing solid choices for longer repayment horizons. Several credit unions like Lighthouse and St. Mary’s Bank offer fixed refinance loans starting around 4.15% APR, while others such as 1st Advantage and Capital maintain steady variable rates near 4.19% APR. With these stable rates showing little movement over the past month, today’s market rewards borrowers ready to act with some of the lowest APRs seen in recent weeks.
Refinance - Student Loans
Credit Union
Product
2025-12-31
(Current Day)
(Current Day)
2025-12-24
(7 Days Ago)
(7 Days Ago)
2025-12-16
(15 Days Ago)
(15 Days Ago)
2025-12-01
(30 Days Ago)
(30 Days Ago)
2025-11-16
(45 Days Ago)
(45 Days Ago)
2025-11-01
(60 Days Ago)
(60 Days Ago)
2025-10-02
(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
4.39▲ 20 bps
4.47▲ 28 bps
Fixed Rate (fixed) [Refinance]
4.39
4.39
4.39
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of December 31, 2025, AMERICA'S CHRISTIAN Credit Union's refinance student loan rates remain steady, with fixed APRs between 3.61% and 11.47% and variable APRs ranging from 3.63% to 11.47% over the past 30 days. There have been no rate changes recently, reflecting stable market conditions. The lowest fixed rate at 3.61% offers a competitive option for borrowers seeking predictable payments. Consider refinancing if your current student loan APR exceeds 8%, as these terms may reduce interest costs significantly over time. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
NAVIGANT CREDIT UNION
As of December 31, 2025, NAVIGANT’s student loan refinance rates start at 3.99% APR for the Pay Now 5-Year fixed option, offering the most competitive entry point among available products. The Pay Now 10-Year and 15-Year fixed loans range from 4.74% to 8.04% APR, while the Pay Later 15-Year fixed product starts higher at 5.99% APR. Since no historical data is available for comparison, rate trends cannot be assessed this week. Borrowers with current rates above 8% may find refinancing advantageous given these competitive fixed rates; evaluating potential savings against refinancing costs remains essential. For more details, visit https://www.risla.com/refi-student-loans-navigant.
LIGHTHOUSE FEDERAL CREDIT UNION
As of December 31, 2025, LIGHTHOUSE’s Refinance Loan (fixed) offers competitive rates ranging from 4.15% to 8.81% APR with no previous data for comparison. This product remains a strong option for borrowers seeking stable, fixed rates on refinanced student loans. Consider refinancing if your current rate exceeds 8%, as these terms may reduce your interest burden and improve repayment flexibility. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
ST. MARY'S BANK CREDIT UNION
As of December 31, 2025, ST. MARY'S BANK offers a competitive Refinance Loan (fixed) with APRs ranging from 4.15% to 8.81%. With no prior rate data available, this fixed range sets a clear benchmark for borrowers seeking stability. Borrowers with existing rates above 8% should consider refinancing to take advantage of these lower fixed rates, potentially reducing long-term interest costs. This product is ideal for those looking to lock in a steady rate without fluctuations. Consider refinancing if the potential savings exceed any associated fees. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of December 31, 2025, 1ST ADVANTAGE’s refinance student loan rates remain steady, with the variable rate at 4.19%, unchanged over the past 15 days but down 20 bps from 30 days ago. The fixed rate is currently 4.39%, stable over the last two weeks and down 10 bps compared to a month prior. The variable refinance option offers the lowest APR today, presenting a competitive choice for borrowers aiming to reduce their interest costs. Consider refinancing if your existing loan rate exceeds 8%, as these rates could lead to meaningful savings over time. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of December 31, 2025, CAPITAL’s refinance student loan rates remain stable with the private variable refinance rate steady at 4.19%, down from 4.39% thirty days ago, marking a notable 20 bps decline. The private fixed refinance rate holds at 4.39%, slightly lower than 4.49% a month ago, reflecting a modest 10 bps decrease. These competitive rates present an opportunity for borrowers with higher existing rates to consider refinancing. If your current loan APR exceeds 8%, exploring CAPITAL’s refinance options could reduce your interest costs effectively. For more details, visit https://partner.lendkey.com/capitalcu/refinance,
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s refinance student loan rates remain steady with the private variable rate at 4.19% and the private fixed rate at 4.39%, showing no change over the past 15 days. These competitive APRs are among the lowest currently available for credit-based refinance options. Borrowers with higher existing rates should consider refinancing to potentially reduce their interest costs and improve repayment terms. Evaluate your current loan rate carefully; refinancing can be advantageous if your rate exceeds 8% and you qualify for these offers. For more details, visit https://partner.lendkey.com/ccuky/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of December 31, 2025, FRANKLIN MINT's refinance student loan rates remain steady, with the private variable option at 4.19% APR and the private fixed rate at 4.39% APR, showing no change over the past week. These competitive rates offer a strong refinancing opportunity compared to typical higher education loan costs. Borrowers with existing loans above 8% should consider refinancing, as these rates could significantly reduce interest expenses. Maintaining stable rates provides predictability for budgeting your payments. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of December 31, 2025, MAINSTREET’s refinance student loan rates remain steady, with the private variable rate holding at 4.19%, down from 4.39% thirty days ago, a notable 20 bps decrease. The private fixed rate is at 4.39%, down 10 bps over the same period. These competitive APRs suggest refinancing could benefit borrowers currently paying above 8%. For those seeking stability, the fixed option provides predictable payments, while variable rates offer potential savings if interest trends remain low. Consider refinancing if your existing loan rate exceeds these benchmarks and savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of December 31, 2025, TOPLINE FINANCIAL's refinance student loan rates remain stable, with the Variable Student Loan at 4.19% APR and the Fixed Student Loan at 4.39% APR, unchanged over the past 15 days. These rates represent competitive options for borrowers seeking to lower costs compared to higher existing loans. Consider refinancing if your current rate exceeds 8%, as these steady low APRs can offer meaningful savings. For more details, visit https://partner.lendkey.com/topline/refinance.
LendMesh
Your education matters—and so does how you pay for it. At LendMesh, we’ve helped countless students and parents discover affordable loan options backed by real support. Explore the full picture at https://www.lendmesh.com/loans/student_loans and turn your plans into progress.
Conclusion
As you consider refinancing or taking out a new student loan, now is a prudent time to evaluate locking in rates, especially if your credit profile supports the lowest offers near 3.6% to 4.2% APR. Even small shifts in APR can translate into meaningful savings over a loan’s life, so staying informed about weekly rate trends can help you make confident decisions. Parents and graduates should carefully weigh fixed versus variable programs based on their financial flexibility and risk tolerance; fixed rates provide payment certainty, while variable rates may offer initial savings but potential increases later. To maximize benefits, be sure to gather personalized quotes from credit unions highlighted here and explore term lengths that match your repayment goals. Don’t wait too long, securing one of today’s best refinance rates could unlock significant financial relief heading into the new year.