Introduction
As of March 11, 2026, students and parents exploring student loan refinancing options have several competitive rates to consider. The standout lowest fixed refinance rates come from America’s Christian Credit Union, offering an attractive range starting at just 3.44% APR. For those interested in variable rates, the same credit union also leads with a low starting point of 3.46% APR. Other notable options include Merrimack Valley Credit Union’s fixed-rate program at 3.75% APR and Lake Trust Credit Union’s fixed refinance loans beginning at 3.90% APR. While many credit unions maintain steady rates over the past month, USC Credit Union has seen a notable improvement, lowering their fixed rate from 4.99% to 3.99% APR in the last week, an encouraging sign for borrowers looking for stability and savings. Whether you’re refinancing undergraduate loans or nursing-specific debt, these consistently competitive rates offer promising opportunities to reduce your monthly payments and overall interest costs.
Refinance - Student Loans
Credit Union
Product
2026-03-11
(Current Day)
(Current Day)
2026-03-04
(7 Days Ago)
(7 Days Ago)
2026-02-24
(15 Days Ago)
(15 Days Ago)
2026-02-09
(30 Days Ago)
(30 Days Ago)
2026-01-25
(45 Days Ago)
(45 Days Ago)
2026-01-10
(60 Days Ago)
(60 Days Ago)
2025-12-11
(90 Days Ago)
(90 Days Ago)
2025-09-12
(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
3.44 - 11.47
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
3.46 - 11.47
3.63 - 11.47▲ 17 bps
Fixed Rates [Refinance]
3.75 - 8.75
3.75 - 8.75
3.75 - 8.75
3.75 - 8.75
3.75 - 8.75
Variable Rates [Refinance]
5.50 - 11.00
5.50 - 11.00
5.50 - 11.00
5.50 - 11.00
6.00 - 11.50▲ 50 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
Student Loan Refinance (fixed) [Refinance]
3.99
3.99
4.99▲ 100 bps
4.99▲ 100 bps
5.49▲ 150 bps
Variable Rates [Refinance]
4.00 - 10.50
4.00 - 10.50
4.00 - 10.50
4.00 - 10.50
Fixed Rates [Refinance]
5.49 - 12.00
5.49 - 12.00
5.49 - 12.00
5.49 - 12.00
EdvestinU Refinance Loan (fixed) [Refinance]
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
4.15 - 8.81
Refinance Student Loans (variable) [Refinance]
4.19
4.19
4.19
3.95▼ 24 bps
3.95▼ 24 bps
Refinance Student Loans (variable) [Refinance]
4.19
4.19
4.19
3.86▼ 33 bps
3.95▼ 24 bps
3.95▼ 24 bps
4.19
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.39
4.39
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
4.20
4.19▼ 1 bps
4.19▼ 1 bps
3.95▼ 25 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of March 11, 2026, AMERICA'S CHRISTIAN Credit Union’s Private Refinance Loans remain stable with fixed rates holding steady between 3.44% and 11.47%, and variable rates also unchanged at 3.46% to 11.47% over the past 30 days. These consistent APRs offer competitive refinancing options for borrowers seeking to lower their student loan interest costs. Consider refinancing if your current rate exceeds 8%, as these products provide access to potentially lower, predictable payments. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
MERRIMACK VALLEY CREDIT UNION
As of March 11, 2026, MERRIMACK VALLEY’s refinance student loan rates remain stable with no changes over the past 30 days. Their fixed rates hold steady between 3.75% and 8.75%, while variable rates range from 5.50% to 11.00%. The fixed-rate refinance product offers the most competitive option for borrowers seeking predictable payments. Consider refinancing if your current loan rate exceeds 8%, as locking in a lower fixed APR could reduce long-term interest costs. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
LAKE TRUST CREDIT UNION
As of March 11, 2026, LAKE TRUST’s Student Loan Refinance (fixed) and Nursing Loan Refinance (fixed) rates remain steady with no changes over the past 30 days. Both products offer competitive APR ranges, starting as low as 3.90%, with student loan refinance caps at 9.75% and nursing refinance up to 11.50%. Stability in rates provides borrowers a clear opportunity to lock in favorable terms. Consider refinancing if your current rate exceeds 8%, as these fixed rates could lower your payments without recent market volatility. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
USC CREDIT UNION
As of March 11, 2026, USC’s Student Loan Refinance (fixed) rate remains steady at 3.99%, marking a significant decrease of 100 basis points compared to 15 and 30 days ago when rates were 4.99%. This stable, lower APR represents one of the most competitive refinance options currently available. Borrowers with existing loans above 8% should consider refinancing now to potentially reduce interest costs and improve repayment terms. Maintaining a fixed rate under 4% can provide predictable monthly payments and long-term savings. Evaluate refinancing if your current rate exceeds this benchmark and savings justify any associated fees.
CLEARVIEW FEDERAL CREDIT UNION
As of March 11, 2026, CLEARVIEW’s refinance student loan rates remain steady with variable rates between 4.00% and 10.50% and fixed rates from 5.49% to 12.00%, unchanged over the past 30 days. The lowest variable APR at 4.00% offers the most competitive option for borrowers seeking flexibility. Fixed rates hold a higher floor but provide rate stability. Consider refinancing if your current rate exceeds 8%, as CLEARVIEW’s consistent rates may reduce your interest burden without added risk. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
LIGHTHOUSE FEDERAL CREDIT UNION
As of March 11, 2026, LIGHTHOUSE's EdvestinU Refinance Loan (fixed) rates remain stable at 4.15% to 8.81% APR, with no change over the past 30 days. This consistency offers predictability for borrowers seeking to refinance. The loan’s competitive low-end rate of 4.15% makes it a strong option for those looking to reduce interest costs on existing student debt. Consider refinancing if your current rate exceeds 8%, as locking in a fixed rate below that threshold could improve long-term savings. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of March 11, 2026, 1ST ADVANTAGE’s refinance student loan rates remain steady with the variable rate at 4.19%, unchanged over the past week but up from 3.95% thirty days ago. The fixed rate holds firm at 4.39%, showing no movement in the last 30 days. The variable product offers the most competitive option currently, though borrowers should weigh potential rate fluctuations. If your existing student loan APR exceeds 8%, refinancing could reduce interest costs, especially given these stable rates. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of March 11, 2026, TOPLINE FINANCIAL’s refinance student loan rates remain steady, with the variable APR at 4.19% and the fixed APR at 4.39%, unchanged over the past week. These competitive rates offer a solid opportunity for borrowers looking to lower their current debt costs. If your existing student loan rate exceeds 8%, refinancing with TOPLINE FINANCIAL could provide meaningful savings. Stability in rates suggests a favorable environment for locking in terms now rather than waiting for potential increases. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of March 11, 2026, UNIVERSITY FIRST’s refinance student loan rates remain stable with the variable rate holding at 4.19%, unchanged over the past 15 days but up from 3.86% thirty days ago. The fixed refinance rate stays steady at 4.39% across all time frames. The variable option currently offers the most competitive APR, reflecting a 33 basis point increase over one month. Borrowers with rates above 8% should consider refinancing now to secure lower costs. Evaluate potential savings carefully against any refinancing fees before proceeding. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
CAPITAL CREDIT UNION
As of March 11, 2026, CAPITAL's refinance student loan rates remain steady, with the variable rate at 4.20%, showing a slight uptick from 7 and 15 days ago (4.19%). The fixed rate holds firm at 4.39% over the same period. These competitive rates offer a solid opportunity for borrowers seeking to lower their payments or simplify debt. Consider refinancing if your current rate exceeds 8%, as these options could reduce interest costs significantly. For more details, visit https://partner.lendkey.com/capitalcu/refinance,
LendMesh
Student loans shouldn’t leave you with more questions than answers. That’s why LendMesh makes it simple to compare offers, understand repayment terms, and borrow smarter. Whether you're starting school or paying off past loans, visit https://www.lendmesh.com/loans/student_loans and make your next step an informed one.
Conclusion
With rates holding steady across most programs this month, now is a smart time for borrowers who value predictability to consider locking in a fixed-rate loan, especially with America’s Christian Credit Union and Merrimack Valley offering some of the lowest fixed APRs available. Even small changes in APR can translate into significant savings over time, so keeping an eye on weekly updates can pay off. Variable-rate borrowers should weigh current low starting points against potential future shifts in interest rates. For parents and graduates navigating complex financing needs, it’s wise to act on these stable or improving offers soon, as spring often brings increased demand that can affect available terms. Exploring prequalification steps today and consulting with your credit union about personalized options will help you secure the best possible rate before conditions change. Staying informed and proactive is your best strategy for long-term financial health on your student loan journey.