Introduction
As of February 11, 2026, students and parents exploring refinancing options have some standout choices to consider. The lowest rates available today come from America's Christian Credit Union, offering private refinance loans with fixed APRs starting at an attractive 3.44% and variable rates beginning at 3.46%. For those seeking stable payments, Merrimack Valley Credit Union presents competitive fixed refinance rates as low as 3.75%, while Cyprus and MainStreet Credit Unions offer appealing single-rate options with variable rates at 3.86% and fixed rates at 4.39%. If you’re looking for flexibility in repayment terms, several credit unions maintain steady rates this month, including University First and Franklin Mint, both holding firm on their variable and fixed refinance offerings around these low marks. Whether you prefer a fixed or variable rate, today’s data shows no significant fluctuations in the past week or month, giving borrowers confidence in the stability of current offers.
Refinance - Student Loans
Credit Union
Product
2026-02-11
(Current Day)
(Current Day)
2026-02-04
(7 Days Ago)
(7 Days Ago)
2026-01-27
(15 Days Ago)
(15 Days Ago)
2026-01-12
(30 Days Ago)
(30 Days Ago)
2025-12-28
(45 Days Ago)
(45 Days Ago)
2025-12-13
(60 Days Ago)
(60 Days Ago)
2025-11-13
(90 Days Ago)
(90 Days Ago)
2025-08-15
(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
3.44 - 11.47
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
3.46 - 11.47
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
Variable Rate (variable) [Refinance]
3.86
3.95▲ 9 bps
3.95▲ 9 bps
4.54▲ 68 bps
Refinance Student Loans (variable) [Refinance]
3.86
3.95▲ 9 bps
3.95▲ 9 bps
3.95▲ 9 bps
4.19▲ 33 bps
4.19▲ 33 bps
4.39▲ 53 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.39
4.39
4.49▲ 10 bps
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
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
3.90 - 11.50
Refinance Student Loans (variable) [Refinance]
3.95
3.95
3.95
3.95
4.39▲ 44 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.49▲ 10 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of February 11, 2026, America's Christian Credit Union’s Private Refinance Loan rates remain steady, with fixed APRs ranging from 3.44% to 11.47% and variable APRs from 3.46% to 11.47% over the past 30 days. There have been no recent rate changes, reflecting stable market conditions for refinancing options. The lowest fixed rate of 3.44% is among the most competitive for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds 8%, as locking in a lower rate could reduce your long-term interest costs. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
MERRIMACK VALLEY CREDIT UNION
MERRIMACK VALLEY’s refinance student loan rates remain steady this week, with fixed rates holding at 3.75% to 8.75% and variable rates stable between 5.50% and 11.00% over the past seven days. The fixed-rate range offers the most competitive starting APR, ideal for borrowers seeking predictable payments. Since there is no recent rate movement, now may be a good time to consider refinancing if your current rate exceeds 8%, especially to lock in a lower fixed APR. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
CYPRUS FEDERAL CREDIT UNION
As of February 11, 2026, CYPRUS's variable refinance rate decreased slightly to 3.86%, down from 3.95% a week and two weeks ago, showing a modest improvement in affordability. The fixed refinance rate remains steady at 4.39%, unchanged over the past month. For borrowers with rates above 8%, these competitive APRs offer an opportunity to reduce interest costs through refinancing. Variable-rate loans currently provide the lowest APR and may benefit those comfortable with rate fluctuations. Consider refinancing if potential savings outweigh fees and if you seek lower monthly payments or faster payoff. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of February 11, 2026, MAINSTREET’s refinance student loan rates show a slight improvement in the variable option, with the variable rate dropping to 3.86% from 3.95% a week ago, marking a modest decline that benefits borrowers seeking flexibility. The fixed rate remains steady at 4.39% over the past 15 days, offering consistency for those preferring predictable payments. The variable refinance loan is currently the most competitive product, reflecting recent favorable market adjustments. Borrowers with existing loans above 8% should consider refinancing to capitalize on these lower rates, provided the total savings outweigh any refinancing fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of February 11, 2026, TOPLINE FINANCIAL's refinance student loan rates are newly available with a variable rate at 3.86% APR and a fixed rate at 4.39% APR. Since no prior data exists for comparison, these rates set a competitive baseline for borrowers seeking to lower their interest costs. The variable rate at 3.86% APR currently offers the most affordable option for refinancing. Borrowers with existing loans above 8% APR should consider refinancing to benefit from these lower rates, provided the potential savings exceed any associated fees. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of February 11, 2026, UNIVERSITY FIRST's refinance student loan rates show stability with a slight improvement in variable rates. The variable refinance rate decreased to 3.86%, down 9 bps from last week and 9 bps lower than 30 days ago, marking the most competitive option currently. Fixed rates remain steady at 4.39% with no change over the past month. Borrowers with higher existing rates should consider refinancing to take advantage of lower variable APRs, especially if their current loans exceed 8%. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
LAKE TRUST CREDIT UNION
As of February 11, 2026, LAKE TRUST’s Student Loan Refinance and Nursing Loan Refinance fixed-rate products remain steady with APRs ranging from 3.90% to 9.75% and 3.90% to 11.50%, respectively, showing no changes over the past week. These competitive rates offer borrowers an opportunity to lower costs compared to typical federal loan rates above 8%. Consider refinancing if your current interest rate exceeds these ranges, especially to secure a fixed rate that fits your financial goals. For more details, visit https://laketrust.studentchoice.org/refinance/#rates,
1ST ADVANTAGE FEDERAL CREDIT UNION
As of February 11, 2026, 1ST ADVANTAGE’s refinance student loan rates remain steady, with the variable option at 3.95% APR and the fixed rate at 4.39% APR, unchanged over the past 15 days. These competitive rates offer a solid opportunity for borrowers seeking to lower their current loan costs. Consider refinancing if your existing student loan rate exceeds 8%, as these options provide significant savings potential without recent rate increases. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
FRANKLIN MINT’s refinance student loan rates remain steady, with variable loans at 3.95% APR and fixed loans at 4.39% APR over the past 30 days. These competitive rates provide a strong option for borrowers seeking lower payments or better terms. If your current student loan rate exceeds 8%, refinancing with FRANKLIN MINT could reduce your interest costs significantly. Stable rates mean no urgency to lock in right now, but evaluating your loan terms regularly is prudent. For more details, visit https://partner.lendkey.com/fmfcu/refinance,
CLEARVIEW FEDERAL CREDIT UNION
As of February 11, 2026, CLEARVIEW’s refinance student loan rates remain steady, with variable rates ranging from 4.00% to 10.50% and fixed rates between 5.49% and 12.00%; no changes have occurred over the past 7 days. The lowest variable APR at 4.00% offers a competitive option for borrowers seeking flexibility. For those with current loans above 8%, refinancing could reduce interest costs given these stable, lower ranges. Since rates have not shifted recently, timing your refinance should focus on potential savings exceeding refinancing fees. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
LendMesh
Student loans shouldn’t leave you with more questions than answers. That’s why LendMesh makes it simple to compare offers, understand repayment terms, and borrow smarter. Whether you're starting school or paying off past loans, visit https://www.lendmesh.com/loans/student_loans and make your next step an informed one.
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Conclusion
With rates holding steady across most credit unions, now is a smart time for borrowers, especially those who prefer predictability, to consider locking in a fixed rate refinance loan. Even small APR differences, like the tenths of a percentage point seen among top lenders, can lead to meaningful savings over the life of your loan. Students nearing graduation or parents helping fund education should weigh the benefits of refinancing sooner rather than later to secure these favorable terms before market shifts occur. Be sure to compare program specifics carefully: whether you need variable flexibility or the security of a fixed rate, understanding your financial goals will guide your best choice. Acting promptly to lock in today’s competitive rates could save you hundreds or even thousands down the road, don’t miss this window of opportunity!