Introduction
As of February 25, 2026, students and parents exploring student loan refinancing have several competitive options to consider. The lowest fixed refinance rates currently start at an attractive 3.44% APR through America’s Christian Credit Union’s Private Refinance Loan, offering a wide range up to 11.47%. For those seeking variable rates, the same credit union also leads with a starting rate of 3.46% APR. Other notable programs include Merrimack Valley Credit Union with fixed rates beginning at 3.75%, and Lake Trust Credit Union offering fixed refinancing from 3.90%. If you prefer a steady payment plan, Lighthouse’s EdvestinU fixed refinance loan ranges from 4.15% to 8.81%. Variable rates tend to start slightly higher but remain competitive across institutions like 1st Advantage and Topline Financial, hovering around the low 4% range. Whether you’re a recent graduate or a parent looking to ease repayment burdens, today’s data highlights affordable refinancing paths with solid fixed and variable options designed to fit diverse financial needs.
Refinance - Student Loans
Credit Union
Product
2026-02-25
(Current Day)
(Current Day)
2026-02-18
(7 Days Ago)
(7 Days Ago)
2026-02-10
(15 Days Ago)
(15 Days Ago)
2026-01-26
(30 Days Ago)
(30 Days Ago)
2026-01-11
(45 Days Ago)
(45 Days Ago)
2025-12-27
(60 Days Ago)
(60 Days Ago)
2025-11-27
(90 Days Ago)
(90 Days Ago)
2025-08-29
(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
3.44 - 11.47
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
3.46 - 11.47
3.63 - 11.47▲ 17 bps
3.63 - 11.47▲ 17 bps
Student Loan Refinance (fixed) [Refinance]
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
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
4.15 - 9.31
Refinance Student Loans (variable) [Refinance]
4.19
3.95▼ 24 bps
3.95▼ 24 bps
3.95▼ 24 bps
Refinance Student Loans (variable) [Refinance]
4.19
3.95▼ 24 bps
3.95▼ 24 bps
4.39▲ 20 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
4.19
3.86▼ 33 bps
3.86▼ 33 bps
3.95▼ 24 bps
3.95▼ 24 bps
4.19
4.39▲ 20 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.39
4.39
4.49▲ 10 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of February 25, 2026, AMERICA'S CHRISTIAN credit union’s refinance student loan rates remain stable, with no changes over the past 30 days. The Private Refinance Loan (fixed) offers a competitive APR range of 3.44% to 11.47%, while the variable option ranges from 3.46% to 11.47%. These consistent rates provide reliable options for borrowers seeking to lower their current loan costs. Consider refinancing if your existing rate exceeds 8%, as locking in a fixed or variable rate here could reduce your payments without risk of recent rate volatility. 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 unchanged at 5.50% to 11.00% over the past 30 days. The lowest fixed APR of 3.75% offers a competitive option for borrowers seeking predictable payments, while variable rates may appeal to those anticipating rate decreases. Consider refinancing if your current rate exceeds 8%, as these terms could reduce your interest costs without recent upward pressure on rates. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
LAKE TRUST CREDIT UNION
As of February 25, 2026, LAKE TRUST’s Student Loan Refinance rates remain steady at 3.90% to 9.75% APR, showing no change over the past 30 days. Similarly, the Nursing Loan Refinance maintains a fixed range of 3.90% to 11.50% APR with no recent fluctuations. These stable rates provide consistent refinancing options for borrowers seeking lower interest costs. Borrowers with current loans above 8% APR should consider refinancing to potentially reduce their interest burden and improve repayment terms. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
LIGHTHOUSE FEDERAL CREDIT UNION
As of February 25, 2026, LIGHTHOUSE’s EdvestinU Refinance Loan (fixed) maintains a stable APR range of 4.15% to 8.81%, unchanged over the past 30 days. This consistency highlights it as a competitive option for borrowers seeking predictable refinance rates without recent increases. Borrowers with existing loans above 8% APR should consider refinancing to potentially lower their interest costs while locking in a fixed rate. Given no upward trends, this product offers financial clarity and stability for student loan refinancing decisions. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of February 25, 2026, 1ST ADVANTAGE’s refinance student loan rates show a notable shift in variable rates, rising to 4.19% from 3.95% over the past 7 days, while fixed rates remain steady at 4.39%. The variable refinance loan currently offers the most competitive option for borrowers seeking lower APRs despite the recent increase. If your existing student loan rate exceeds 8%, consider refinancing, as these rates could reduce your interest expense substantially. Evaluate the cost-benefit carefully, especially given recent variable rate increases. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of February 25, 2026, CAPITAL's refinance student loan rates stand at 4.19% variable APR and 4.39% fixed APR, with no prior data available for trend comparison. The variable refinance loan offers the lowest rate, making it a competitive option for borrowers seeking flexibility. Given current rates below 5%, consider refinancing if your existing loans carry rates above 8%, potentially reducing your monthly payments and total interest costs. Evaluate your financial goals carefully to choose between fixed stability and variable savings. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s variable refinance student loan rate rose from 3.95% to 4.19% over 30 days, reflecting a modest increase of 24 basis points. The fixed refinance rate remains steady at 4.39%, showing no change in the past month. For borrowers with rates above 8%, refinancing could offer significant savings given these competitive APRs. Consider your current interest rate and loan terms carefully; refinancing may reduce monthly payments or total interest if your credit profile supports these offers. For more details, visit https://partner.lendkey.com/ccuky/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of February 25, 2026, TOPLINE FINANCIAL’s refinance student loan rates show a notable rise in variable APRs to 4.19%, up from 3.86% seven and fifteen days ago. The fixed refinance rate remains steady at 4.39%, unchanged over the past 30 days. For borrowers with rates above 8%, refinancing could provide meaningful savings despite recent variable rate increases. The fixed option offers predictable payments without recent fluctuations, while the variable rate remains the lowest current APR but has seen upward movement recently. Consider refinancing if your potential savings outweigh any associated costs. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of February 25, 2026, UNIVERSITY FIRST’s refinance student loan rates show a notable increase in variable APRs, rising from 3.86% to 4.19% over the past week. Fixed rates remain steady at 4.39%, unchanged for the last 30 days. The variable rate hike may impact borrowers seeking flexible payment options, while fixed loans offer rate stability. Variable refinance loans currently present the lowest starting APR but with recent upward movement; fixed-rate loans provide consistency without fluctuation. Borrowers with existing rates above 8% should consider refinancing now, weighing potential savings against market trends. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of February 25, 2026, FRANKLIN MINT offers competitive refinance student loan options with a variable rate at 4.19% APR and a fixed rate at 4.39% APR. Since no prior rates are available for direct comparison, these rates establish a baseline for borrowers seeking refinancing. The variable rate is notably lower, making it the most cost-effective choice for those comfortable with potential fluctuations. Borrowers with current loans above 8% should consider refinancing to reduce interest costs. Evaluate your long-term plans and compare fixed versus variable structures to ensure savings exceed refinancing expenses. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
LendMesh
Student loans don’t need to feel like a trap. At LendMesh, we show you real rates from real lenders—so you can make choices that give you freedom, not frustration. Visit https://www.lendmesh.com/loans/student_loans and make borrowing work for you.
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Conclusion
With rates holding steady over the past month for most programs, now is an excellent time for borrowers to consider locking in a rate, especially if you prefer predictability with a fixed APR near historic lows like 3.44%. Even small shifts in APR can significantly impact long-term savings, so monitoring your options closely can pay off. Parents and graduates should evaluate whether variable rates make sense given current economic conditions or if the security of fixed payments aligns better with their budgets. To maximize benefits, start by comparing your existing loan terms against today’s offers and consider pre-qualification tools that don’t affect credit scores. Remember, refinancing isn’t just about lowering your interest, it’s about finding a plan that supports your financial goals with flexibility and confidence. Don’t wait too long; locking in favorable terms early could save thousands over the life of your loan as markets evolve in the coming months.