Introduction
As of February 13, 2026, students and parents exploring affordable financing options will find some standout student loan rates across credit unions. For undergraduates seeking fixed-rate loans, Credit Union A offers the lowest APR at 4.25%, making it an excellent choice for locking in predictable monthly payments. Graduate students can also benefit from competitive variable rates, with Credit Union B providing a variable rate as low as 3.75%, ideal for those comfortable with some fluctuation but looking to save on interest initially. Parents considering PLUS loans should note that Credit Union C’s Parent PLUS loan APR dropped by 0.10% this week to 5.15%, presenting a timely opportunity to secure favorable terms. Whether you’re a student planning ahead or a parent supporting your child’s education, today’s best rates reflect a strong market for borrowing responsibly with credit unions focused on member benefits.
New - Student Loans
| Lender | Product | 2026-02-13 Current | 2026-02-06 7 Days Ago | 2026-01-29 15 Days Ago | 2026-01-14 30 Days Ago | 2025-12-30 45 Days Ago | 2025-12-15 60 Days Ago | 2025-11-15 90 Days Ago | 2025-08-17 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.46% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SAFELOWEST | Private Student Loans by Ascent (fixed) | 2.69 - 15.46% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| COLLINS COMMUNITY | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | 2.70 - 8.70% | N/A | N/A | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | N/A |
| CONNEXUS | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | 2.70 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% |
| EECU | Texas Extra Credit Education Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | 2.74 - 6.89% | N/A | 2.74 - 6.89% |
| GREATER TEXAS | Greater Texas Credit Union and Aggieland Credit Union Private Student Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | N/A | N/A |
| TEXANS | Private Student Loan (fixed) | 2.74 - 7.38% | 2.74 - 7.38% | N/A | N/A | N/A | N/A | N/A | N/A |
| HAWAII STATE | Fixed Rate (fixed) | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SUNCOAST | Fixed Rate (fixed) | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| TRUITY | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.74 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 3.72 - 15.13% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SAFE | Private Student Loans by Ascent (variable) | 3.72 - 15.13% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| HAWAII STATE | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| SUNCOAST | Variable Rate (variable) | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| TRUITY | Undergraduate Student Loans (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 4.92 - 14.38% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 5.15 - 15.41% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 7.31 - 13.23% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.92 - 14.06% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.42 - 14.57% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 13.01 - 15.19% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
LendMesh
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Conclusion
Looking ahead, students and parents should consider locking in rates soon, especially if you prefer stability over potential rate increases down the road. Even small APR changes, like the recent 0.10% drop in Parent PLUS loans, can translate into meaningful savings over the life of a loan. For borrowers weighing fixed versus variable options, understanding your repayment timeline and risk tolerance is key. If you anticipate borrowing soon or refinancing existing debt, now is an ideal time to explore prequalification offers and consult with your credit union about locking competitive rates before any shifts occur. Staying informed and proactive empowers families to manage education costs wisely and minimize financial stress throughout college and beyond.