March 13, 2026: Lowest Student Loan Rates Hold at 3.44% Fixed | Parent & Grad Deals

As of March 13, 2026, families navigating student loan options can find some standout rates across credit unions that make borrowing more manageable. For undergraduates seeking fixed-rate loans, Community First Credit Union offers the lowest APR at 4.25%, providing a stable and predictable repayment path. Graduate students will appreciate the competitive variable rate of just 4.10% from Pioneer Heritage Credit Union, ideal for those comfortable with potential rate fluctuations in exchange for lower initial costs. Parents financing their children’s education should note that River Valley Credit Union has lowered its Parent PLUS loan APR by 0.12% this month, now offering a solid 5.15%. These shifts highlight opportunities to save on interest or secure affordable monthly payments. Whether you’re a student aiming for favorable fixed rates or a parent looking to lock in a great deal on a PLUS loan, today’s market presents several best-in-class programs designed to fit diverse financial needs.