Introduction
As of February 4, 2026, college students, graduates, and parents exploring student loan refinancing options have some compelling choices to consider. The lowest fixed refinance rates are available through America’s Christian Credit Union, offering a range starting as low as 3.44% APR, making it an excellent pick for borrowers seeking stability in their payments. For those open to variable rates, the same credit union provides competitive terms starting at 3.46% APR. Other notable options include Merrimack Valley Credit Union with fixed refinance rates from 3.75%, and Lake Trust Credit Union offering fixed rates beginning at 3.90% for both general student and nursing loan refinancing. Many credit unions such as Cyprus, Mainstreet, 1st Advantage, Capital, and Franklin Mint consistently maintain variable rates at 3.95% APR and fixed rates around 4.39% APR, stable offerings that could suit borrowers looking for reliable mid-range options. With no significant rate shifts over the past month, today’s landscape favors those ready to lock in competitive refinance rates before any market movements.
Refinance - Student Loans
Credit Union
Product
2026-02-04
(Current Day)
(Current Day)
2026-01-28
(7 Days Ago)
(7 Days Ago)
2026-01-20
(15 Days Ago)
(15 Days Ago)
2026-01-05
(30 Days Ago)
(30 Days Ago)
2025-12-21
(45 Days Ago)
(45 Days Ago)
2025-12-06
(60 Days Ago)
(60 Days Ago)
2025-11-06
(90 Days Ago)
(90 Days Ago)
2025-08-08
(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
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
5.49 - 9.75▲ 159 bps
3.90 - 9.75
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
Refinance Student Loans (variable) [Refinance]
3.95
3.95
4.39▲ 44 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of February 4, 2026, AMERICA'S CHRISTIAN refinance loan rates remain steady with the fixed APR range at 3.44% to 11.47%, showing a slight improvement from 30 days ago when the floor was 3.61%. Variable rates also hold firm at 3.46% to 11.47%, down from 3.63% a month earlier. These stable low starting points make both fixed and variable refinance options competitive for borrowers seeking to lower costs. Consider refinancing if your current rate exceeds 8%, as these products offer significant potential savings on interest over time. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
MERRIMACK VALLEY CREDIT UNION
MERRIMACK VALLEY’s student loan refinance rates currently range from 3.75% to 8.75% fixed and 5.50% to 11.00% variable, with no recent rate changes reported. The fixed-rate option offers the most competitive entry point at 3.75% APR, ideal for borrowers seeking stability. Variable rates start higher but may benefit those expecting rate drops in the future. Consider refinancing if your existing loan rate exceeds 8%, as locking in a lower fixed rate could reduce long-term costs. For detailed rate information, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
LAKE TRUST CREDIT UNION
As of February 4, 2026, LAKE TRUST's Student Loan Refinance fixed rates start at 3.90% APR, offering a competitive option for borrowers seeking to lower costs. The Nursing Loan Refinance fixed rates also begin at 3.90% APR, with a higher ceiling of 11.50% reflecting specialized borrower risk profiles. Since no prior data is available, rate trends cannot be assessed; however, these low starting rates provide an attractive opportunity for refinancing. Consider refinancing if your current loan rate exceeds 8%, as LAKE TRUST’s offerings may reduce your interest burden and improve repayment terms. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
CYPRUS FEDERAL CREDIT UNION
As of February 4, 2026, CYPRUS credit union’s refinance student loan rates remain steady. The Variable Rate Refinance holds at a competitive 3.95% APR, unchanged over the past week. Similarly, the Fixed Rate Refinance stays firm at 4.39% APR with no recent movement. These stable rates offer an attractive option for borrowers seeking to lower their interest costs. Consider refinancing if your current student loan rate exceeds 8%, as CYPRUS’s refinance products provide notably lower APRs without recent increases. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
MAINSTREET’s refinance student loan rates remain steady this week, with the Variable Rate refinance product holding at 3.95% APR and the Fixed Rate refinance at 4.39% APR. There have been no rate changes in the past 7, 15, or 30 days for either product. The variable rate at 3.95% APR is currently the most competitive option for borrowers seeking flexibility. Borrowers with existing loans above 8% APR may benefit from refinancing to secure these lower rates, potentially reducing interest costs significantly. Consider refinancing if your savings exceed any associated fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of February 4, 2026, 1ST ADVANTAGE’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 week. These competitive rates offer an attractive option for borrowers seeking to lower their monthly payments or overall interest costs. Variable rates currently provide the lowest APR at 3.95%. Consider refinancing if your existing student loan rates exceed 8%, as locking in these rates could result in significant savings over time. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of February 4, 2026, CAPITAL’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 week. These rates reflect competitive options for borrowers looking to lower their payments or simplify debt management. Variable-rate loans offer the lowest current APR, making them attractive for those comfortable with potential fluctuations. Borrowers with existing rates above 8% should evaluate refinancing opportunities, as these rates can provide meaningful savings. Consider refinancing if your potential interest savings outweigh any associated costs. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s refinance student loan rates are currently competitive, with the Variable Rate at 3.95% and the Fixed Rate at 4.39%, both newly available with no prior data for comparison. The variable option offers the lowest APR today, making it attractive for borrowers comfortable with rate fluctuations. Consider refinancing if your existing loan rate exceeds these benchmarks, as locking in a fixed rate near 4.39% can provide predictable payments. Assess your financial situation carefully to ensure potential savings justify any refinancing costs. For more details, visit https://partner.lendkey.com/ccuky/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of February 4, 2026, FRANKLIN MINT's refinance student loan rates remain steady, with the variable APR holding at 3.95% and the fixed APR at 4.39% over the past week. These competitive rates offer an opportunity for borrowers to lower their interest costs compared to typical federal or private student loans. Consider refinancing if your current rate exceeds 8%, as locking in these rates could reduce your monthly payments and overall interest burden. For borrowers seeking stability, the fixed option provides predictable payments; the variable rate may benefit those expecting to pay off loans sooner. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
TOPLINE FINANCIAL’s refinance student loan rates remain steady this week, with the Variable Rate at 3.95% APR and the Fixed Rate at 4.39% APR, unchanged over the past 7 days. These competitive rates offer attractive options for borrowers looking to lower their current debt costs. Consider refinancing if your existing loan rate exceeds 8%, as locking in these rates could significantly reduce interest expenses over time. For more details, visit https://partner.lendkey.com/topline/refinance.
LendMesh
Not all student loans are created equal. LendMesh helps you avoid sky-high rates by comparing trusted lenders side by side. Whether it’s undergraduate or graduate school, explore clear and affordable funding options at https://www.lendmesh.com/loans/student_loans .
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Conclusion
Looking ahead, students and parents considering refinancing should evaluate locking in today’s low fixed rates to secure predictable monthly payments amidst fluctuating economic conditions. Even small APR differences, fractions of a percent, can translate into meaningful savings over the life of a loan, so timing matters. Borrowers with variable-rate loans might benefit from monitoring market trends closely but should be prepared for potential rate increases down the line. For families weighing private refinance options, focusing on credit unions like America’s Christian or Merrimack Valley can provide tailored solutions with strong member benefits. If you’re approaching graduation or managing existing debt, now is a great moment to explore prequalification offers and gather personalized quotes from multiple credit unions. Taking these proactive steps will ensure you capitalize on today’s best refinancing opportunities before rates shift again.