Introduction
As of February 18, 2026, college students, parents, and graduates exploring student loan refinancing have several standout options to consider. The most competitive rates today come from America's Christian Credit Union, offering private refinance loans with fixed APRs as low as 3.44% and variable rates starting at 3.46%. For those seeking fixed-rate stability, Merrimack Valley Credit Union presents a strong alternative with rates beginning at 3.75%, while their variable rates start at 5.50%. If you prefer a straightforward fixed or variable rate without a range, credit unions like Cyprus, MainStreet, and TopLine Financial offer consistent refinance rates at 4.39% fixed and around 3.86% variable, holding steady over the past two weeks. Whether you’re refinancing undergraduate, graduate, or parent loans, these options provide a solid foundation to reduce your borrowing costs in 2026, especially with minimal rate fluctuations observed recently.
Refinance - Student Loans
Credit Union
Product
2026-02-18
(Current Day)
(Current Day)
2026-02-11
(7 Days Ago)
(7 Days Ago)
2026-02-03
(15 Days Ago)
(15 Days Ago)
2026-01-19
(30 Days Ago)
(30 Days Ago)
2026-01-04
(45 Days Ago)
(45 Days Ago)
2025-12-20
(60 Days Ago)
(60 Days Ago)
2025-11-20
(90 Days Ago)
(90 Days Ago)
2025-08-22
(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
Refinance Student Loans (variable) [Refinance]
3.86
3.86
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
4.49▲ 10 bps
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
3.90 - 9.75
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
3.90 - 11.50
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
AMERICA'S CHRISTIAN CREDIT UNION
As of February 18, 2026, America's Christian Credit Union’s refinance student 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 rate fluctuations in the last month, indicating stable borrowing costs for those considering refinancing. The lowest fixed and variable rates start at under 3.5%, offering competitive options for credit-qualified borrowers. If your current loan APR exceeds 8%, it may be beneficial to explore refinancing opportunities here, as stable rates can help lock in potential savings. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
MERRIMACK VALLEY CREDIT UNION
As of February 18, 2026, MERRIMACK VALLEY’s refinance student loan rates remain steady, with fixed rates ranging from 3.75% to 8.75% and variable rates between 5.50% and 11.00%, showing no change over the past week. The lowest fixed APR at 3.75% represents a competitive option for borrowers seeking rate stability, while variable rates offer flexibility but start higher. Consider refinancing if your current rate exceeds 8%, as locking in a lower fixed rate can reduce long-term interest costs. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
CYPRUS FEDERAL CREDIT UNION
As of February 18, 2026, CYPRUS’s refinance student loan rates remain steady with the Variable Rate at 3.86%, unchanged over the past week and down slightly from 3.95% fifteen days ago. The Fixed Rate holds firm at 4.39%, showing no movement in the last 30 days. The variable option offers the most competitive APR for borrowers seeking lower costs and potential savings if rates remain stable or decline. Consider refinancing if your current rate exceeds 8%, as CYPRUS’s low variable and fixed rates could reduce your interest burden effectively. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of February 18, 2026, MAINSTREET’s refinance student loan rates remain stable. The Variable Rate Refinance holds steady at 3.86%, unchanged from one week ago and down 9 bps from 15 days prior. The Fixed Rate Refinance remains constant at 4.39%, showing no change over the past month. The variable rate product offers the most competitive option for borrowers seeking lower APRs. Consider refinancing if your current rate exceeds 8%, as MAINSTREET’s rates provide significant savings potential. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
TOPLINE FINANCIAL’s refinance student loan rates remain steady this week, with the Variable Rate at 3.86% and the Fixed Rate at 4.39%, showing no change over the past 7 days. These competitive rates provide a solid opportunity for borrowers seeking to lower their current loan costs. Variable rates offer the lowest APR at 3.86%, ideal for those comfortable with rate fluctuations; fixed rates provide stability at 4.39%. Consider refinancing if your existing loan rate exceeds these benchmarks, especially when potential savings outweigh any refinancing fees. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of February 18, 2026, UNIVERSITY FIRST’s refinance student loan rates remain steady, with the variable APR at 3.86% and the fixed APR at 4.39%, unchanged from one week ago. These competitive rates provide an attractive option for borrowers looking to lower their interest costs. Given the stability in rates and the relatively low APRs compared to typical education loans, consider refinancing if your current rate exceeds 8%. Refinancing now can offer meaningful savings without the risk of recent rate increases. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
LAKE TRUST CREDIT UNION
As of February 18, 2026, LAKE TRUST's Student Loan Refinance (fixed) rates remain steady between 3.90% and 9.75% APR, unchanged over the past 30 days. Similarly, the Nursing Loan Refinance (fixed) rates hold firm at 3.90% to 11.50% APR with no recent fluctuations. These consistent rates highlight the credit union’s stable pricing environment for refinancing options. Borrowers with existing loans above 8% APR should consider refinancing to potentially lower their interest costs, especially given LAKE TRUST’s competitive floor rate of 3.90%. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of February 18, 2026, 1ST ADVANTAGE’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 30 days. These competitive rates offer a stable refinancing option for borrowers seeking to lower their interest costs. Consider refinancing if your current rate exceeds 8%, as locking in these rates may reduce your overall loan expenses. For more details, visit https://partner.lendkey.com/1stadvantage/refinance,
LIGHTHOUSE FEDERAL CREDIT UNION
The EdvestinU Refinance Loan (fixed) from LIGHTHOUSE maintains a stable APR range of 4.15% to 8.81% with no changes over the past 30 days. This consistency offers predictability for borrowers seeking to lower their rates. With rates starting as low as 4.15%, this product remains competitive for those looking to refinance existing student loans. Borrowers with current loan rates above 8% should consider refinancing to potentially reduce interest costs and improve repayment terms. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
SOARION FEDERAL CREDIT UNION
As of February 18, 2026, SOARION’s refinance student loan rates remain steady, with the fixed rate at 4.24% and the variable rate at 5.25%, showing no changes over the past 30 days. The fixed refinance option offers the most competitive APR, ideal for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds these levels to potentially lower your interest costs. For more details, visit https://www.studentchoice.org/r/soarion/#Refinance.
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Conclusion
With interest rates largely stable across the board this month, now is an excellent time for borrowers who qualify to consider locking in their refinancing terms before any market shifts occur. Even small APR improvements, fractions of a percent, can translate into significant savings over the life of a loan. Students and parents should carefully evaluate whether a fixed rate offers peace of mind against potential future hikes or if a variable rate could save money short term given current low levels. Before committing, reviewing eligibility criteria and comparing loan features beyond just APR is essential for long-term financial health. For those weighing options, reaching out to credit unions like America’s Christian or Merrimack Valley can provide personalized guidance tailored to your specific needs. In this environment, taking prompt action on competitive refinance programs may deliver lasting benefits and ease repayment burdens down the road.