Introduction
As of January 14, 2026, students and parents exploring student loan refinancing have some compelling options to consider. The most competitive rates today come from America's Christian Credit Union, offering private refinance loans with fixed APRs starting as low as 3.44% and variable rates beginning at 3.46%. For those seeking straightforward fixed or variable rate programs, several credit unions, including 1st Advantage, Commonwealth, Cyprus, and others, offer competitive rates hovering around 3.95% for variable and 4.39% for fixed loans. Notably, many credit unions maintain stable rates compared to earlier in the month, providing a reliable landscape for borrowers. Whether you’re refinancing undergraduate or graduate loans, these steady low rates make now an excellent time to explore your financing options with confidence.
Refinance - Student Loans
Credit Union
Product
2026-01-14
(Current Day)
(Current Day)
2026-01-07
(7 Days Ago)
(7 Days Ago)
2025-12-30
(15 Days Ago)
(15 Days Ago)
2025-12-15
(30 Days Ago)
(30 Days Ago)
2025-11-30
(45 Days Ago)
(45 Days Ago)
2025-11-15
(60 Days Ago)
(60 Days Ago)
2025-10-16
(90 Days Ago)
(90 Days Ago)
2025-07-18
(180 Days Ago)
(180 Days Ago)
America's Christian Credit Union Private Refinance Loan (fixed) [Refinance]
3.44 - 11.47
3.44 - 11.47
3.61 - 11.47▲ 17 bps
3.61 - 11.47▲ 17 bps
3.61 - 11.47▲ 17 bps
3.61 - 11.47▲ 17 bps
3.61 - 11.47▲ 17 bps
America's Christian Credit Union Private Refinance Loan (variable) [Refinance]
3.46 - 11.47
3.46 - 11.47
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
Variable Rate (variable) [Refinance]
3.95
4.19▲ 24 bps
4.19▲ 24 bps
4.19▲ 24 bps
4.39▲ 44 bps
4.39▲ 44 bps
4.47▲ 52 bps
Fixed Rate (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
3.95
4.39▲ 44 bps
4.39▲ 44 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.49▲ 10 bps
4.49▲ 10 bps
private (variable) [Refinance]
3.95
4.19▲ 24 bps
4.19▲ 24 bps
4.39▲ 44 bps
Variable Student Loan (variable) [Refinance]
3.95
4.19▲ 24 bps
4.19▲ 24 bps
4.19▲ 24 bps
Refinance Student Loans (variable) [Refinance]
3.95
4.19▲ 24 bps
4.19▲ 24 bps
4.19▲ 24 bps
4.39▲ 44 bps
4.39▲ 44 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.49▲ 10 bps
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
3.95
4.39▲ 44 bps
4.39▲ 44 bps
4.47▲ 52 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.49▲ 10 bps
4.49▲ 10 bps
4.49▲ 10 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of January 14, 2026, AMERICA'S CHRISTIAN Credit Union’s Private Refinance Loans show stable rates with fixed APRs holding steady at 3.44% to 11.47% over the past week, improving slightly from 3.61% fifteen and thirty days ago. Variable rates also remain consistent at 3.46% to 11.47%, down modestly from 3.63% earlier in the month. The lowest fixed and variable rates start in the mid-3% range, making these products competitive options for borrowers seeking refinancing. Consider refinancing if your current rate exceeds 8%, as these stable, low starting rates may reduce your interest burden. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of January 14, 2026, 1ST ADVANTAGE’s refinance student loan rates show a notable improvement in variable options, with the variable rate dropping to 3.95% from 4.19% seven days ago, reflecting a 24 bps decrease. The fixed rate remains steady at 4.39%, unchanged over the past month. The variable refinance loan currently offers the most competitive APR, presenting a valuable opportunity for borrowers with higher existing rates. Consider refinancing if your current student loan rate exceeds 8%, as these lower rates may reduce your overall interest costs effectively. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of January 14, 2026, COMMONWEALTH’s refinance student loan rates offer competitive options with a variable APR at 3.95% and a fixed APR at 4.39%, both newly listed with no prior data for comparison. The variable rate is the lower-cost choice for borrowers comfortable with potential rate changes, while the fixed rate provides stability. Consider refinancing if your current loan rate exceeds 8%, as these options could reduce your interest costs significantly. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of January 14, 2026, CYPRUS offers competitive refinance student loans with a Variable Student Loan at 3.95% APR and a Fixed Student Loan at 4.39% APR. These are newly listed rates with no prior data for comparison, making the variable option currently the most affordable choice for borrowers seeking flexibility. Consider refinancing if your existing loan rate exceeds 4%, as these offers provide potential savings on interest costs. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of January 14, 2026, MAINSTREET’s private variable refinance rate decreased to 3.95%, down from 4.19% fifteen and thirty days ago, showing a significant improvement in borrowing costs. The private fixed refinance rate remains steady at 4.39%, unchanged over the past month. The variable option offers the most competitive APR currently available, reflecting favorable market conditions. Borrowers with existing loans above 8% should consider refinancing now to capitalize on these lower rates, particularly if comfortable with potential rate fluctuations. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of January 14, 2026, TOPLINE FINANCIAL’s Variable Student Loan refinance rate has dropped to 3.95%, down from 4.19% over the past 7, 15, and 30 days, a significant improvement of 24 basis points. Meanwhile, the Fixed Student Loan refinance rate remains steady at 4.39% with no recent change. The variable option now offers the most competitive APR for borrowers seeking to lower their student loan costs. Consider refinancing if your current rate exceeds 8%, especially to take advantage of this notable variable rate decrease. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of January 14, 2026, UNIVERSITY FIRST's variable refinance student loan rate dropped to 3.95%, down from 4.19% over the past 7, 15, and 30 days, a notable decline of 24 basis points. The fixed refinance rate remains steady at 4.39%, unchanged over the last month. For borrowers with current rates above 8%, refinancing into these competitive rates may offer meaningful savings. Variable loans currently present the lowest APR option; however, fixed rates provide rate stability without recent fluctuations. Consider refinancing if the potential interest savings outweigh any associated costs. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
CAPITAL CREDIT UNION
As of January 14, 2026, CAPITAL’s refinance student loan rates stand at 3.95% variable APR and 4.39% fixed APR, with no prior data for comparison. The variable refinance rate is the most competitive option available today, offering borrowers a lower starting point compared to fixed rates. Borrowers with existing loans above 8% APR should consider refinancing to potentially reduce interest costs. Given stable rates, it’s advisable to evaluate your current loan terms and savings potential carefully before refinancing. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of January 14, 2026, FRANKLIN MINT’s refinance student loan rates are newly published with a variable APR at 3.95% and a fixed APR at 4.39%. Since there is no prior data for comparison, no recent rate movement can be identified. These rates represent competitive options for borrowers seeking to reduce their interest costs. Consider refinancing if your current student loan rate exceeds 8%, as these lower APRs could significantly reduce your payments and total interest paid over time. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
NAVIGANT CREDIT UNION
As of January 14, 2026, NAVIGANT’s refinance student loan rates offer fixed APRs ranging from 4.99% to 8.04% for their Fixed Student Loan product and from 5.99% to 8.99% for the Pay Later option. With no previous data available, these competitive fixed rates provide a clear benchmark for borrowers seeking stability in their refinancing options. Borrowers with current rates above 8% may find meaningful savings by refinancing now, especially given NAVIGANT’s transparent pricing on both credit-based and cosigned loans. Consider refinancing if your rate exceeds the top tier here, as locking in a lower fixed rate can reduce long-term costs. For more details, visit https://www.risla.com/refi-student-loans-navigant.
LendMesh
Don’t let student loans hold you back from moving forward. With refinancing options from LendMesh, you can reduce interest, lower your monthly payments, or shorten your repayment term. See what’s possible at https://www.lendmesh.com/loans/student_loans and take control of your financial journey.
Conclusion
With rates holding steady across most credit unions this month, students and parents should consider locking in their APRs soon to secure the best possible terms before any shifts occur. Even small changes in APR, just a few tenths of a percent, can significantly impact total repayment costs over time. If you qualify for the lowest fixed or variable refinance rates around 3.44% to 3.95%, acting promptly could save you money throughout your loan term. Parents helping their students might also benefit from reviewing private refinance options alongside federal alternatives to optimize savings. To move forward, request personalized quotes from preferred credit unions and compare terms carefully; taking these steps now can position you for long-term financial peace of mind as you navigate the student loan journey ahead.