February 13, 2026: Stable Low Student Loan Rates from 3.44% Fixed

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.