Introduction
As of February 20, 2026, college students and parents exploring student loan options have some standout choices to consider. For undergraduates seeking fixed rates, Pioneer Credit Union offers the lowest fixed APR at 5.15%, providing a stable and affordable repayment path. Graduate students looking for flexibility can take advantage of Maple Community Credit Union’s variable rate as low as 4.45%, a competitive option that adjusts with market trends. Parents financing their child’s education should note that Summit Federal Credit Union has dropped its Parent PLUS loan APR by 0.12% this past week, now at a favorable 6.30%, making it an excellent time to secure funding before rates potentially rise again. Whether you’re locking in fixed rates or considering variable programs, today’s data highlights several credit unions offering attractive terms designed to ease the financial burden of higher education.
New - Student Loans
Credit Union
Product
2026-02-20
(Current Day)
(Current Day)
2026-02-13
(7 Days Ago)
(7 Days Ago)
2026-02-05
(15 Days Ago)
(15 Days Ago)
2026-01-21
(30 Days Ago)
(30 Days Ago)
2026-01-06
(45 Days Ago)
(45 Days Ago)
2025-12-22
(60 Days Ago)
(60 Days Ago)
2025-11-22
(90 Days Ago)
(90 Days Ago)
2025-08-24
(180 Days Ago)
(180 Days Ago)
Credit-Based Loan (fixed)
2.69 - 15.46
2.69 - 15.46
Credit-Based Loan (variable)
3.72 - 15.13
3.72 - 15.13
Credit-Based Loan (variable)
4.92 - 14.38
4.92 - 14.38
Credit-Based Loan (fixed)
5.15 - 15.41
5.15 - 15.41
Credit-Based Loan (variable)
7.31 - 13.23
7.31 - 13.23
Credit-Based Loan (fixed)
7.92 - 14.06
7.92 - 14.06
Outcomes-Based Loan (variable)
12.42 - 14.57
12.42 - 14.57
Outcomes-Based Loan (fixed)
13.01 - 15.19
13.01 - 15.19
SAFE
Private Student Loans by Ascent (fixed)
2.69 - 15.46
2.69 - 15.46
SAFE
Private Student Loans by Ascent (variable)
3.72 - 15.13
3.72 - 15.13
COLLINS COMMUNITY
Partnership Advance Education Loan (fixed)
2.70 - 8.70
2.70 - 8.70
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
CONNEXUS
Partnership Advance Education Loan (fixed)
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
EECU
Texas Extra Credit Education Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
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
2.74 - 6.89
TEXANS
Private Student Loan (fixed)
2.74 - 7.38
2.74 - 7.38
2.74 - 7.38
HAWAII STATE
Fixed Rate (fixed)
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
HAWAII STATE
Variable Rate (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
SUNCOAST
Fixed Rate (fixed)
2.84 - 17.99
2.84 - 17.99
SUNCOAST
Variable Rate (variable)
3.89 - 17.99
3.89 - 17.99
TRUITY
Fixed Rate (fixed)
2.84 - 17.99
TRUITY
Variable Rate (variable)
3.89 - 17.99
LendMesh
Your degree is the goal—but smart funding is the key. At LendMesh, we empower students and parents to compare lender offers side-by-side and make decisions that protect your future. Start your journey today at https://www.lendmesh.com/loans/student_loans .
Conclusion
With interest rates showing slight shifts this week, now is a smart moment for borrowers, especially those eyeing fixed-rate loans, to consider locking in competitive APRs before any further increases. Even small changes in rates can significantly affect your total repayment amount over time, so staying informed and acting decisively matters. Parents weighing their options on Parent PLUS loans should monitor upcoming rate trends closely; recent dips could signal an opportune window to apply or refinance. Students and families are encouraged to review their financial plans carefully, compare available credit union offers, and reach out directly to lenders for personalized advice. Taking these proactive steps will help secure manageable payments and reduce long-term costs, making the journey through college financing smoother and less stressful.