Introduction
As of January 7, 2026, students and parents exploring refinancing options have some compelling choices to consider. The lowest fixed rates available start at an attractive 3.99% APR through NAVIGANT’s Pay Now 5-Year Refinance program, making it a standout for borrowers looking for shorter-term stability. For those interested in longer terms, NAVIGANT also offers competitive fixed rates up to 15 years, with rates beginning at 4.74% for 10-year and 4.99% for 15-year refinances. Variable rate options remain steady, with CLEARVIEW providing a broad range from 4.00% to 10.50%, suitable for borrowers comfortable with market fluctuations. Several credit unions including 1ST ADVANTAGE, CAPITAL, COMMONWEALTH, CYPRUS, TOPLINE FINANCIAL, and UNIVERSITY FIRST maintain consistent variable and fixed refinance rates around 4.19% to 4.39% APR, offering reliable mid-range alternatives. Whether you’re a recent graduate aiming to reduce monthly payments or a parent refinancing education debt, today’s student loan landscape presents solid opportunities, especially with NAVIGANT’s low starting rates setting the bar for affordability.
Refinance - Student Loans
Credit Union
Product
2026-01-07
(Current Day)
(Current Day)
2025-12-31
(7 Days Ago)
(7 Days Ago)
2025-12-23
(15 Days Ago)
(15 Days Ago)
2025-12-08
(30 Days Ago)
(30 Days Ago)
2025-11-23
(45 Days Ago)
(45 Days Ago)
2025-11-08
(60 Days Ago)
(60 Days Ago)
2025-10-09
(90 Days Ago)
(90 Days Ago)
Variable Rate (variable) [Refinance]
4.19
4.19
4.19
4.19
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
Refinance Student Loans (variable) [Refinance]
4.19
4.19
4.19
4.19
4.39▲ 20 bps
4.47▲ 28 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
NAVIGANT CREDIT UNION
As of January 7, 2026, NAVIGANT’s refinance student loan rates start at 3.99% APR for the Pay Now 5-Year fixed option, offering the most competitive entry point. Longer terms like 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 option carries higher rates between 5.99% and 8.99% APR. Since these are newly published rates with no prior data for comparison, borrowers should focus on their current rates versus these ranges. Consider refinancing if your existing rate exceeds 8%, especially for shorter terms where lower fixed rates apply. For more details, visit https://www.risla.com/refi-student-loans-navigant.
CLEARVIEW FEDERAL CREDIT UNION
As of January 7, 2026, CLEARVIEW’s refinance student loan rates start at 4.00% variable APR and 5.49% fixed APR, reflecting stable pricing with no recent changes reported. The variable rate product offers the most competitive entry point at 4.00%, ideal for borrowers seeking potential savings if rates remain steady or decline. Fixed rates, ranging up to 12.00% APR, provide predictable payments but start higher. Borrowers with current loans above 8% should consider refinancing to secure lower rates and reduce interest costs over time. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
LIGHTHOUSE FEDERAL CREDIT UNION
As of January 7, 2026, the EdvestinU Refinance Loan (fixed) from LIGHTHOUSE offers competitive rates ranging from 4.15% to 8.81% APR. Since this is a new listing with no prior rate history, there are no recent changes to report. This product provides a solid option for borrowers seeking fixed-rate refinancing with transparent terms. Consider refinancing if your current student loan rate exceeds 8%, as locking in a rate near 4.15% could reduce your interest costs significantly. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of January 7, 2026, 1ST ADVANTAGE’s refinance student loan rates remain stable. The variable rate product holds steady at 4.19% APR, maintaining its position as the most competitive option with no change over the past 30 days. Meanwhile, the fixed rate refinance product saw a modest increase from 4.39% to 4.49% APR over 30 days but remains attractive for borrowers seeking rate certainty. Consider refinancing if your current student loan rate exceeds 8%, especially with stable variable options below 4.20%. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of January 7, 2026, CAPITAL’s refinance private variable rate remains steady at 4.19% APR, showing no change over the past 30 days. Meanwhile, the private fixed refinance rate holds at 4.39% APR today but has decreased by 10 bps compared to 30 days ago, improving affordability for fixed-rate borrowers. These competitive rates offer solid options for those looking to lower their student loan costs. Consider refinancing if your current interest rate exceeds 8%, as these stable, low APRs could reduce your monthly payments and overall interest expense. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of January 7, 2026, COMMONWEALTH’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 30 days. These competitive rates offer an opportunity for borrowers to lower their payments or shorten loan terms. Consider refinancing if your current rate exceeds 8%, as these options provide transparent pricing without recent volatility. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of January 7, 2026, CYPRUS offers competitive refinance student loan rates, with the variable rate at 4.19% APR and the fixed rate at 4.39% APR, both newly available with no prior data for comparison. The variable refinance option currently presents the lowest APR, making it attractive for borrowers seeking flexibility. Students and parents should consider refinancing if their existing rates exceed these levels, as locking in a lower fixed rate or opting for a variable rate could reduce overall interest costs. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of January 7, 2026, 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 30 days. These competitive rates provide consistent options for borrowers seeking to lower their costs. Consider refinancing if your current rate exceeds 8%, as these stable rates could reduce your monthly payments and overall interest. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of January 7, 2026, UNIVERSITY FIRST’s variable refinance student loan rate remains steady at 4.19% APR, showing no change over the past 30 days. The fixed refinance rate held at 4.39% APR this week but increased by 10 basis points compared to 30 days ago. The variable rate at 4.19% APR offers the most competitive option currently available. Borrowers with existing loans above 8% APR should consider refinancing to potentially lower their interest costs. Evaluate your current rate against these competitive offers to determine if refinancing presents meaningful savings. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
4FRONT CREDIT UNION
As of January 7, 2026, 4FRONT’s Refinance Fixed Rate Loan offers a competitive 4.24% APR, and the Variable Rate Loan stands at 5.25% APR. Since these rates are newly published with no prior data for comparison, there is no recent trend to report. Both options present attractive refinancing opportunities for borrowers seeking to lower their current student loan rates. Consider refinancing if your existing loan rate exceeds 6%, as these fixed and variable options could reduce your interest costs effectively. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
LendMesh
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Conclusion
Looking ahead, now is an ideal time for borrowers who prioritize predictability and long-term savings to consider locking in fixed-rate refinance loans, particularly with programs like NAVIGANT’s Pay Now series offering sub-5% APRs on terms up to 15 years. Even small shifts in APR, sometimes as little as a few hundredths of a percent, can translate into significant savings over the life of a loan. Variable rate borrowers should weigh current market conditions carefully; while some credit unions hold steady rates near 4.19%, any upward trends could increase future payments. Parents and graduates alike should also evaluate their personal financial goals and timelines before committing, as refinancing can streamline payments but may affect borrower protections tied to federal loans. To take advantage of these favorable terms, it’s wise to act promptly, start by comparing your current rates against today’s lowest offers and reach out to credit unions with competitive programs like NAVIGANT or CLEARVIEW to explore tailored options that fit your unique needs.