March 6, 2026: Lowest Student Loan Rates Hold at 3.44% Fixed | Parent & Grad Options

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.