Introduction
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.
New - Student Loans
| Lender | Product | 2026-03-13 Current | 2026-03-06 7 Days Ago | 2026-02-26 15 Days Ago | 2026-02-11 30 Days Ago | 2026-01-27 45 Days Ago | 2026-01-12 60 Days Ago | 2025-12-13 90 Days Ago | 2025-09-14 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.26% | 2.69 - 15.26% | 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% | 2.70 - 8.70% | 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 | 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% | 2.74 - 6.89% | N/A | N/A | N/A |
| TEXANS | Texans Private Student Loan (fixed) | 2.74 - 6.89% | N/A | N/A | N/A | N/A | 2.74 - 6.89% | 2.74 - 6.89% | 2.74 - 6.89% |
| JOVIA FINANCIAL | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | 2.74 - 17.99% | N/A | N/A | N/A |
| SUNCOAST | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | N/A | N/A | 2.84 - 17.99% | 2.74 - 17.99% | 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 |
| CAPITAL | private (fixed) | 2.87% | N/A | N/A | N/A | N/A | 2.87% | 2.87% | N/A |
| — | Credit-Based Loan (variable) | 3.66 - 15.07% | 3.66 - 15.07% | 3.72 - 15.13% | N/A | N/A | N/A | N/A | N/A |
| CAPITAL | private (variable) | 3.73% | N/A | N/A | N/A | N/A | 3.80% | 4.03% | N/A |
| JOVIA FINANCIAL | Undergraduate Student Loans (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | 3.89 - 17.99% | N/A | N/A | N/A |
| SUNCOAST | Undergraduate Student Loans (variable) | 3.89 - 17.99% | N/A | N/A | 3.89 - 17.99% | 3.89 - 17.99% | 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% | 4.86 - 14.32% | 4.92 - 14.38% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 4.95 - 15.21% | 4.95 - 15.21% | 5.15 - 15.41% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 7.26 - 13.17% | 7.26 - 13.17% | 7.31 - 13.23% | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.75 - 13.86% | 7.75 - 13.86% | 7.92 - 14.06% | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.37 - 14.52% | 12.37 - 14.52% | 12.42 - 14.57% | N/A | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 15.04% | 12.86 - 15.04% | 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
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Conclusion
Looking ahead, locking in rates soon may benefit borrowers given the recent modest upticks seen in some variable programs, small changes like a 0.05% rise might seem minor but can add up over time. Students with fixed-rate loans should review their terms carefully now to avoid surprises if rates shift later this year. Parents considering PLUS loans should act promptly, as even slight APR reductions can lower total repayment costs significantly. Additionally, exploring credit unions’ unique member benefits could unlock extra savings or flexible repayment options not available through traditional lenders. To make the most informed choice, compare current offers side-by-side and consider prequalification steps without impacting your credit score. Staying proactive today means securing smarter financing solutions that support your educational goals tomorrow.