Introduction
As of January 21, 2026, students, parents, and graduates exploring student loan refinancing options have some compelling choices to consider. The most competitive rates available today come from America's Christian Credit Union, offering private refinance loans with fixed rates starting as low as 3.44% APR and variable rates beginning at 3.46% APR. These stand out as the lowest in our current market snapshot. Meanwhile, several credit unions, including Commonwealth, Mainstreet, 1st Advantage, Capital, Cyprus, and Topline Financial, offer steady fixed refinance rates around 4.39% APR and variable rates near 3.95% APR, showing remarkable stability over the past month. For borrowers looking for a range of options, St. Mary’s Bank provides EdvestinU fixed refinance loans ranging from 4.15% to 8.81% APR, catering to diverse credit profiles. Whether you’re refinancing undergraduate or graduate loans, today’s data highlights strong opportunities to secure low-cost financing with trusted credit unions committed to student-friendly terms.
Refinance - Student Loans
Credit Union
Product
2026-01-21
(Current Day)
(Current Day)
2026-01-14
(7 Days Ago)
(7 Days Ago)
2026-01-06
(15 Days Ago)
(15 Days Ago)
2025-12-22
(30 Days Ago)
(30 Days Ago)
2025-12-07
(45 Days Ago)
(45 Days Ago)
2025-11-22
(60 Days Ago)
(60 Days Ago)
2025-10-23
(90 Days Ago)
(90 Days Ago)
2025-07-25
(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
Refinance Student Loans (variable) [Refinance]
3.95
3.95
4.39▲ 44 bps
4.39▲ 44 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.49▲ 10 bps
4.49▲ 10 bps
Variable Rate (variable) [Refinance]
3.95
3.95
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
AMERICA'S CHRISTIAN CREDIT UNION
As of January 21, 2026, America's Christian Credit Union refinance loan rates have slightly improved compared to 15 and 30 days ago. Both the fixed and variable refinance loans now start at 3.44% APR and 3.46% APR, down from 3.61% and 3.63% respectively, while the upper APR remains steady at 11.47%. These represent the most competitive starting rates available today for private student loan refinancing through this credit union. Borrowers with current rates above 8% should consider refinancing, as modest rate declines could translate into meaningful savings over time. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s refinance student loan rates remain steady this week, with the variable APR holding at 3.95% and the fixed APR steady at 4.39%; no changes have occurred over the past 7 days. These rates are notably competitive in today’s market, especially for borrowers seeking to lower their current interest costs. If your existing loan rate exceeds 8%, refinancing with COMMONWEALTH could offer significant savings. Consider the fixed option for predictable payments or variable if you anticipate paying off loans faster. For more details, visit https://partner.lendkey.com/ccuky/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of January 21, 2026, MAINSTREET’s refinance student loan rates are stable with no prior data for comparison. The variable refinance rate is at 3.95% APR, offering the most competitive option currently available. The fixed refinance rate stands at 4.39% APR, providing a predictable payment alternative. Borrowers with existing loans above 8% should consider refinancing to potentially lower their interest costs. Evaluate if your savings from a lower rate exceed any refinancing fees before proceeding. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of January 21, 2026, 1ST ADVANTAGE’s refinance rates remain steady with the variable rate holding at 3.95%, down from 4.19% fifteen and thirty days ago, a notable improvement for rate-sensitive borrowers. The fixed refinance rate stays consistent at 4.39% across all periods, offering predictable payments without fluctuations. The variable option is currently the most competitive, reflecting a 24 bps drop over the past two weeks. Borrowers with existing rates above 8% should consider refinancing to potentially lower monthly costs and total interest paid. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of January 21, 2026, CAPITAL’s refinance student loan rates are stable with a variable rate at 3.95% and a fixed rate at 4.39%, both newly listed without prior data for comparison. The variable rate offers the most competitive APR, providing potential savings for borrowers looking to lower their interest costs. Consider refinancing if your current loan rate exceeds these figures, as even modest reductions can significantly reduce repayment burdens over time. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
CYPRUS FEDERAL CREDIT UNION
CYPRUS’s refinance student loan rates are currently set at 3.95% variable and 4.39% fixed, both newly available with no prior data for comparison. The variable rate at 3.95% offers the most competitive option for borrowers seeking flexibility in payments. For those preferring predictable monthly costs, the fixed rate remains a solid choice. Borrowers with existing loans above 8% APR should consider refinancing to reduce interest expenses, provided potential savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of January 21, 2026, TOPLINE FINANCIAL offers competitive refinance student loan rates with a variable rate at 3.95% APR and a fixed rate at 4.39% APR. Since these are new listings, no prior rate changes are available for comparison. The variable refinance option currently provides the lowest APR, making it attractive for borrowers seeking flexible payments. Borrowers with existing loans above 8% should consider refinancing to reduce interest costs. Evaluate the potential savings against any fees before proceeding. For more details, visit https://partner.lendkey.com/topline/refinance.
ST. MARY'S BANK CREDIT UNION
As of January 21, 2026, ST. MARY'S BANK’s EdvestinU Refinance Loan (fixed) offers competitive rates ranging from 4.15% to 8.81% APR. Since this is the initial reporting period, no prior rate comparisons are available. Borrowers with current student loan rates above 8% may find refinancing advantageous to lower their interest costs and improve repayment terms. Evaluating your existing loan against these fixed rates can help determine potential savings. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
SOARION FEDERAL CREDIT UNION
As of January 21, 2026, SOARION's refinance student loan rates remain steady, with the fixed APR holding at 4.24% and the variable APR stable at 5.25% compared to 7, 15, and 30 days ago. These rates represent some of the most competitive options for borrowers seeking to lower their current student loan costs. If your existing rate exceeds 8%, refinancing with SOARION could provide meaningful savings without recent rate fluctuations adding uncertainty. Consider refinancing when potential interest savings outweigh any associated fees. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
4FRONT CREDIT UNION
As of January 21, 2026, 4FRONT’s refinance student loan rates are newly available with a fixed APR at 4.24% and a variable APR at 5.25%. Since no prior data exists for comparison, these rates set a competitive baseline in the current market. The fixed refinance rate at 4.24% offers the lowest cost option for borrowers seeking predictable payments, while the variable rate may appeal to those comfortable with potential fluctuations. Consider refinancing if your existing student loan rate exceeds these levels, as locking in a lower fixed rate could reduce overall interest expenses. For more details, visit https://www.studentchoice.org/r/4frontcu/#Refinance.
LendMesh
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Conclusion
With interest rates holding steady across many credit unions this month, now is an ideal time for borrowers to consider locking in a low fixed or variable rate refinance loan, especially if you qualify for the standout offers from America’s Christian Credit Union. Even small differences in APR can translate into significant savings over the life of your loan, so don’t overlook incremental rate shifts when comparing lenders. Parents and graduates should also weigh the benefits of refinancing sooner rather than later while these competitive rates remain accessible. To move forward confidently, gather your financial documents early and reach out directly to credit unions offering the best rates listed today. Staying proactive ensures you won’t miss out on these favorable terms as market conditions evolve, taking action now could mean more affordable payments and less financial stress down the road.