Introduction
As of January 28, 2026, students and parents exploring refinancing options have several competitive offers to consider. For those seeking the lowest rates, America’s Christian Credit Union stands out with its Private Refinance Loan featuring fixed rates starting as low as 3.44% APR, and variable rates beginning at 3.46% APR, both maintaining steady terms over the past month. Meanwhile, a cluster of credit unions including Cyprus, Mainstreet, 1st Advantage, Capital, Franklin Mint, Topline Financial, and University First offer strong refinancing choices with fixed rates consistently at 4.39% APR and variable options around 3.95% APR. Notably, University First’s variable rate has shown a slight improvement from 4.19% down to 3.95% in recent weeks, signaling a favorable trend for borrowers ready to refinance now. Whether you’re an undergraduate borrower or a parent considering private options, these competitive rates highlight promising opportunities to reduce loan costs in today’s market.
Refinance - Student Loans
Credit Union
Product
2026-01-28
(Current Day)
(Current Day)
2026-01-21
(7 Days Ago)
(7 Days Ago)
2026-01-13
(15 Days Ago)
(15 Days Ago)
2025-12-29
(30 Days Ago)
(30 Days Ago)
2025-12-14
(45 Days Ago)
(45 Days Ago)
2025-11-29
(60 Days Ago)
(60 Days Ago)
2025-10-30
(90 Days Ago)
(90 Days Ago)
2025-08-01
(180 Days Ago)
(180 Days Ago)
America's Christian Credit Union Private Refinance Loan (fixed) [Refinance]
3.44 - 11.47
3.44 - 11.47
3.44 - 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
America's Christian Credit Union Private Refinance Loan (variable) [Refinance]
3.46 - 11.47
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
Refinance Student Loans (variable) [Refinance]
3.95
3.95
3.95
4.39▲ 44 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
3.95
3.95
3.95
4.19▲ 24 bps
4.19▲ 24 bps
4.39▲ 44 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.39
4.49▲ 10 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of January 28, 2026, AMERICA'S CHRISTIAN Credit Union's refinance student loan rates remain steady, with the fixed APR range at 3.44% to 11.47%, unchanged from 7 and 15 days ago but down slightly from 3.61% at 30 days ago. Variable rates also hold firm at 3.46% to 11.47%, showing a minor decrease from 3.63% over the past month. The lowest fixed and variable rates near 3.44% and 3.46% offer competitive refinancing options for borrowers seeking lower payments or better terms. Consider refinancing if your current rate exceeds 8%, as locking in these stable low rates could reduce your overall interest costs. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
CYPRUS FEDERAL CREDIT UNION
As of January 28, 2026, CYPRUS offers competitive refinance student loans with a variable rate at 3.95% APR and a fixed rate at 4.39% APR, both newly listed without prior data for comparison. The variable rate stands out as the more affordable option for borrowers seeking flexibility. Consider refinancing if your current loan rate exceeds 8%, as these rates could significantly reduce your interest costs over time. For borrowers prioritizing predictable payments, the fixed rate provides stability at a reasonable cost. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
MAINSTREET’s refinance student loan rates debut at 3.95% variable and 4.39% fixed, presenting competitive options for borrowers seeking to lower costs. With no prior data for comparison, these rates set a clear benchmark today. The variable rate is notably low, ideal for those comfortable with potential fluctuations. Borrowers with current loans above 8% APR should evaluate refinancing opportunities to reduce interest expenses. Given the solid starting rates, consider refinancing if your existing rate significantly exceeds these offers and potential savings justify any fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of January 28, 2026, 1ST ADVANTAGE offers competitive refinance student loans with a variable APR at 3.95% and a fixed APR at 4.39%, both newly available with no prior rate history. These rates are notably low for refinancing options, making them attractive for borrowers aiming to reduce interest costs. Given the absence of recent rate changes, these products present stable opportunities for those with existing loans above 8%. Consider refinancing if your current rate exceeds these figures and savings surpass any associated fees. For more details, visit https://partner.lendkey.com/1stadvantage/refinance,
CAPITAL CREDIT UNION
CAPITAL’s refinance student loan rates remain steady this month, with the variable APR at 3.95% and the fixed APR at 4.39%, unchanged over the past 15 days. The variable rate offers the most competitive option for borrowers seeking flexibility and lower initial costs. Borrowers with existing loans above 8% should consider refinancing to capitalize on these lower rates. Stability in rates suggests a favorable environment for refinancing without rushing into fluctuating terms. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of January 28, 2026, FRANKLIN MINT’s refinance student loan rates remain steady, with the variable APR at 3.95% and the fixed APR at 4.39%, unchanged over the past 15 days. These competitive rates offer a reliable option for borrowers seeking to lower their current interest costs. Variable rates hold the lowest APR at 3.95%, making them ideal for those comfortable with potential rate fluctuations. Borrowers with existing loans above 8% should consider refinancing to capitalize on these favorable terms. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
TOPLINE FINANCIAL’s refinance student loan rates remain steady, with the Variable Rate at 3.95% and the Fixed Rate at 4.39%, unchanged over the past 7 days. These rates represent highly competitive options in today’s market, especially for borrowers seeking to lower their current loan costs. If your existing student loan rate exceeds 8%, refinancing with TOPLINE FINANCIAL could offer significant savings. Maintaining stable rates provides predictability for budgeting and repayment planning. Consider refinancing if potential interest savings outweigh any associated fees or terms adjustments. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of January 28, 2026, UNIVERSITY FIRST’s variable refinance student loan rate dropped from 4.19% to 3.95% over the past 30 days, maintaining a stable 3.95% APR in the last two weeks. The fixed refinance rate remains steady at 4.39% APR with no change over the past month. The variable option currently offers the most competitive rate, reflecting a notable improvement for borrowers seeking lower costs. Consider refinancing if your existing loan rates exceed 8%, as these rates could significantly reduce your interest burden while locking in favorable terms. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
ST. MARY'S BANK CREDIT UNION
As of January 28, 2026, ST. MARY'S BANK's EdvestinU Refinance Loan (fixed) maintains a steady APR range of 4.15% to 8.81%, unchanged over the past week with no earlier data available for comparison. This stable rate environment offers consistent refinancing opportunities. Borrowers with current rates above 8% should consider refinancing to potentially lower their payments and overall interest costs. With competitive fixed APRs starting at 4.15%, this product is well-suited for those seeking predictable monthly payments and long-term savings. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580064.
LIGHTHOUSE FEDERAL CREDIT UNION
As of January 28, 2026, LIGHTHOUSE’s Sample Refinance Loan (fixed) offers competitive rates ranging from 4.15% to 8.81% APR with no prior data for comparison. This range positions it well for borrowers seeking stable, predictable payments. Consider refinancing if your current rate exceeds 8%, as these fixed rates could reduce your interest burden and simplify repayment. Monitoring rate trends remains important; while no recent changes are available, locking in a competitive fixed rate now can provide long-term financial clarity. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
LendMesh
From cosigner-friendly lenders to flexible payment plans, LendMesh helps you find a student loan that fits your unique needs. No noise, no pressure—just the clarity you deserve. Get started today at https://www.lendmesh.com/loans/student_loans .
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Conclusion
With student loan interest rates showing stability and occasional dips like those seen at University First, now is an ideal moment for borrowers to consider locking in their refinancing rates, especially if your current loans carry higher APRs. Even small decreases of a few tenths of a percent can translate into significant savings over the life of a loan. Students nearing graduation or parents looking to manage education expenses should review these offers closely and act decisively where fixed-rate stability or lower variable rates align with their financial goals. Keep an eye on upcoming rate shifts and be prepared to move swiftly; refinancing sooner rather than later could secure more favorable terms before any potential increases. Consulting with your credit union about eligibility and specific loan details can help you navigate these options confidently toward smarter debt management.