Introduction
As of March 6, 2026, college students and parents exploring student loan options will find several standout offers from credit unions that combine affordability with flexibility. For undergraduates seeking fixed-rate loans, the lowest APR today is an attractive 4.15% offered by Northwest Federal Credit Union, making it a top pick for those prioritizing stable payments throughout their studies. Graduate students have competitive choices too, with Connexus Credit Union leading the pack at a fixed APR of 5.20%, ideal for advanced degree financing. Parents looking to support their children can benefit from Navy Federal Credit Union’s Parent PLUS variable rate loan, currently at a low 5.00%, which notably dropped by 0.10% this week, an encouraging shift in affordability for family borrowers. These rates highlight a promising window for borrowers aiming to secure manageable financing before potential rate shifts later in the year. Whether you’re just starting college or planning ahead as a parent, today’s best credit union rates offer clear opportunities to reduce borrowing costs and ease repayment burdens.
New - Student Loans
| Lender | Product | 2026-03-06 Current | 2026-02-27 7 Days Ago | 2026-02-19 15 Days Ago | 2026-02-04 30 Days Ago | 2026-01-20 45 Days Ago | 2026-01-05 60 Days Ago | 2025-12-06 90 Days Ago | 2025-09-07 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.26% | 2.69 - 15.46% | 2.69 - 15.46% | N/A | N/A | N/A | N/A | N/A |
| COLLINS COMMUNITY | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | 2.70 - 8.70% | 2.70 - 8.70% | N/A | 3.20 - 8.70% | N/A | 3.20 - 8.70% | N/A |
| CONNEXUS | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | 2.70 - 8.70% | 2.70 - 8.70% | 2.70 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% |
| 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% | N/A | N/A | 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% | 2.74 - 6.89% | N/A | N/A | N/A |
| TEXANS | Private Student Loan (fixed) | 2.74 - 7.38% | 2.74 - 7.38% | 2.74 - 7.38% | 2.74 - 7.38% | N/A | N/A | N/A | N/A |
| HAWAII STATE | Fixed Rate (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | 2.74 - 17.99% | N/A | N/A | N/A |
| SUNCOAST | Fixed Rate (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| TRUITY | Fixed Rate (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 3.66 - 15.07%▼ 6 bps | 3.72 - 15.13% | 3.72 - 15.13% | N/A | N/A | N/A | N/A | N/A |
| HAWAII STATE | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A |
| SUNCOAST | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| TRUITY | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 4.86 - 14.32%▼ 6 bps | 4.92 - 14.38% | 4.92 - 14.38% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 4.95 - 15.21%▼ 20 bps | 5.15 - 15.41% | 5.15 - 15.41% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 7.26 - 13.17%▼ 5 bps | 7.31 - 13.23% | 7.31 - 13.23% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.75 - 13.86%▼ 17 bps | 7.92 - 14.06% | 7.92 - 14.06% | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.37 - 14.52%▼ 5 bps | 12.42 - 14.57% | 12.42 - 14.57% | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 15.04%▼ 15 bps | 13.01 - 15.19% | 13.01 - 15.19% | N/A | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
LendMesh
Whether you’re in school or already graduated, refinancing your student loan could mean lower monthly payments or better terms. At LendMesh, we help you explore refinance options that fit your future—not your past. See what you could save at https://www.lendmesh.com/loans/student_loans .
Conclusion
With student loan rates showing slight but meaningful weekly adjustments, now is an excellent time for borrowers to consider locking in competitive APRs, especially those with variable-rate loans like the Parent PLUS program, where even a 0.10% drop can translate into significant savings over time. Students approaching graduation or parents finalizing funding plans should prioritize securing fixed-rate loans if they value payment predictability amid market fluctuations. Remember, small changes in APR impact your total interest paid more than you might expect, so staying informed and acting promptly can make a lasting financial difference. To maximize your advantage, review your current offers closely and consult your credit union about rate lock options or refinancing possibilities before rates potentially rise again. Staying proactive today sets the stage for smoother repayment journeys tomorrow.