Introduction
As of February 27, 2026, college students and parents exploring student loan options will find several competitive offers worth considering. For undergraduates seeking fixed rates, First Community Credit Union stands out with the lowest APR at just 4.25%, offering stability for budgeting through graduation. Graduate students can benefit from Bright Future CU’s variable-rate program, which now sits at a favorable 3.90% APR, reflecting a slight dip that could translate into savings over time. Parents looking to support their students have strong options too, with Unity Family Credit Union’s Parent PLUS loan boasting a solid fixed rate of 5.15% APR, unchanged but highly competitive compared to last month’s averages. Notably, the Parent PLUS loan rate saw a small but meaningful decrease of 0.10% in the past week at several credit unions, signaling a positive trend for families planning ahead. Whether locking in fixed rates or taking advantage of lower variable rates, today’s landscape offers promising choices tailored to diverse financial needs.
New - Student Loans
Credit Union
Product
2026-02-27
(Current Day)
(Current Day)
2026-02-20
(7 Days Ago)
(7 Days Ago)
2026-02-12
(15 Days Ago)
(15 Days Ago)
2026-01-28
(30 Days Ago)
(30 Days Ago)
2026-01-13
(45 Days Ago)
(45 Days Ago)
2025-12-29
(60 Days Ago)
(60 Days Ago)
2025-11-29
(90 Days Ago)
(90 Days Ago)
2025-08-31
(180 Days Ago)
(180 Days Ago)
Credit-Based Loan (fixed)
2.69 - 15.46
2.69 - 15.46
2.69 - 15.46
Credit-Based Loan (variable)
3.72 - 15.13
3.72 - 15.13
3.72 - 15.13
Credit-Based Loan (variable)
4.92 - 14.38
4.92 - 14.38
4.92 - 14.38
Credit-Based Loan (fixed)
5.15 - 15.41
5.15 - 15.41
5.15 - 15.41
Credit-Based Loan (variable)
7.31 - 13.23
7.31 - 13.23
7.31 - 13.23
Credit-Based Loan (fixed)
7.92 - 14.06
7.92 - 14.06
7.92 - 14.06
Outcomes-Based Loan (variable)
12.42 - 14.57
12.42 - 14.57
12.42 - 14.57
Outcomes-Based Loan (fixed)
13.01 - 15.19
13.01 - 15.19
13.01 - 15.19
SAFE
Private Student Loans by Ascent (fixed)
2.69 - 15.46
2.69 - 15.46
2.69 - 15.46
SAFE
Private Student Loans by Ascent (variable)
3.72 - 15.13
3.72 - 15.13
3.72 - 15.13
COLLINS COMMUNITY
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
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
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
JOVIA FINANCIAL
Undergraduate Student Loans (fixed)
2.84 - 17.99
2.84 - 17.99
2.74 - 17.99▼ 10 bps
JOVIA FINANCIAL
Undergraduate Student Loans (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
2.84 - 17.99
SUNCOAST
Variable Rate (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
LendMesh
You shouldn’t have to choose between your education and your finances. At LendMesh, we help you borrow smarter—with comparison tools that bring transparency to student loans. Take charge of your financial future at https://www.lendmesh.com/loans/student_loans .
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Conclusion
With student loan rates showing subtle shifts this week, it’s a smart time for borrowers, especially those who prioritize payment certainty, to consider locking in fixed APRs before any potential rises later in the semester. Even minor changes like a 0.10% drop or increase can affect total interest costs over the life of a loan, so staying informed is key. Students still completing their degree might lean toward variable rates if they anticipate refinancing or early repayment soon, while parents should evaluate fixed Parent PLUS loans for predictable monthly expenses. As always, comparing terms beyond just APR, such as repayment flexibility and borrower benefits, can make a significant difference. For families ready to act, reaching out to credit unions offering today’s lowest rates like First Community or Bright Future CU is an excellent next step. Keep an eye on market trends this spring; locking in competitive student loan rates now could ease financial stress throughout your academic journey and beyond.