Introduction
As of March 18, 2026, students and parents exploring student loan refinancing have several competitive options to consider. The lowest fixed-rate refinance programs start as low as 3.44% APR with America’s Christian Credit Union, offering both fixed and variable private refinance loans. For those seeking a blend of flexibility and affordability, Merrimack Valley Credit Union presents attractive fixed rates beginning at 3.75% APR, while Lake Trust Credit Union offers solid fixed refinancing from 3.90% APR, including specialized nursing loan options. Variable rates also remain steady, with Clearview Credit Union’s range starting at 4.00% APR. Notably, USC maintains a standout fixed rate at 3.99% APR, showing consistency over the past month. Across the board, rates have remained stable over the last 30 days, providing borrowers with reliable benchmarks to make informed decisions. Whether you’re a recent graduate or a parent planning ahead, today’s data highlights competitive refinancing paths that could ease your financial journey.
Refinance - Student Loans
Credit Union
Product
2026-03-18
(Current Day)
(Current Day)
2026-03-11
(7 Days Ago)
(7 Days Ago)
2026-03-03
(15 Days Ago)
(15 Days Ago)
2026-02-16
(30 Days Ago)
(30 Days Ago)
2026-02-01
(45 Days Ago)
(45 Days Ago)
2026-01-17
(60 Days Ago)
(60 Days Ago)
2025-12-18
(90 Days Ago)
(90 Days Ago)
2025-09-19
(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
Variable Rates [Refinance]
5.50 - 11.00
5.50 - 11.00
5.50 - 11.00
5.50 - 11.00
Student Loan Refinance (fixed) [Refinance]
3.90 - 9.75
3.90 - 9.75
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
3.90 - 11.50
3.90 - 11.50
Variable Rates [Refinance]
4.00 - 10.50
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
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
Refinance Student Loans (variable) [Refinance]
4.19
4.19
4.19
3.95▼ 24 bps
3.95▼ 24 bps
Refinance Student Loans (variable) [Refinance]
4.20
4.20
4.19▼ 1 bps
3.95▼ 25 bps
4.56▲ 36 bps
Refinance Student Loans (variable) [Refinance]
4.20
4.20
4.19▼ 1 bps
4.56▲ 36 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.54▲ 15 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of March 18, 2026, AMERICA'S CHRISTIAN maintains steady rates on its private student loan refinance options. Both the fixed refinance loan and the variable refinance loan continue to offer competitive APRs ranging from 3.44% to 11.47% and 3.46% to 11.47%, respectively, with no changes over the past 30 days. These stable rates provide consistent opportunities for borrowers seeking to lower their current student loan interest costs. Consider refinancing if your existing rate exceeds 8%, as locking in these rates could reduce long-term payments without rate volatility concerns. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
MERRIMACK VALLEY CREDIT UNION
As of March 18, 2026, MERRIMACK VALLEY’s refinance student loan rates remain stable with fixed rates from 3.75% to 8.75% and variable rates ranging from 5.50% to 11.00% over the past 30 days. The fixed-rate refinance option offers the lowest starting APR, making it a competitive choice for borrowers seeking predictable payments. Since rates have not shifted recently, consider refinancing if your current rate exceeds 8%, which could yield meaningful savings. Stability in rates allows for confident planning without concern for immediate increases. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
LAKE TRUST CREDIT UNION
As of March 18, 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, with the Student Loan Refinance starting as low as 3.90%, making it a solid option for borrowers seeking stable, fixed rates. The Nursing Loan Refinance carries a wider upper range up to 11.50%, reflecting credit-based variations. Consider refinancing if your current rate exceeds 8%, as LAKE TRUST’s consistent rates may provide cost savings without rate volatility. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
USC CREDIT UNION
As of March 18, 2026, USC’s Student Loan Refinance (fixed) rate remains steady at 3.99%, holding firm over the past week and 15 days but down significantly from 4.99% a month ago. This represents a notable 100 bps decrease over 30 days, making it one of the most competitive refinance options currently available. Borrowers with existing rates above 8% should consider refinancing now to capitalize on these lower fixed rates, potentially reducing monthly payments and overall interest costs. Evaluate refinancing if projected savings exceed any associated fees for optimal financial benefit.
CLEARVIEW FEDERAL CREDIT UNION
As of March 18, 2026, CLEARVIEW’s refinance student loan rates remain steady, with variable rates ranging from 4.00% to 10.50% and fixed rates from 5.49% to 12.00%, showing no change over the past 30 days. The variable rate product offers the lowest starting APR at 4.00%, making it a competitive option for borrowers seeking flexibility. If your current loan rate exceeds 8%, consider refinancing to potentially lower your interest costs with CLEARVIEW’s stable offerings. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
LIGHTHOUSE FEDERAL CREDIT UNION
As of March 18, 2026, the EdvestinU Refinance Loan (fixed) from LIGHTHOUSE maintains stable rates, holding steady at 4.15% to 8.81% APR over the past 30 days. This consistency offers a reliable option for borrowers seeking predictable payments. The lower end of this range remains competitive for credit-based refinancing. Consider refinancing if your current rate exceeds 8%, as locking in a fixed rate under 9% can improve long-term savings and budgeting certainty. For more details, visit https://edvestinu.com/student-loan-refinancing/?refer=580123.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of March 18, 2026, 1ST ADVANTAGE’s refinance student loan rates remain steady with the variable APR holding at 4.19%, unchanged from one week and 15 days ago but up 24 basis points compared to 30 days prior. The fixed APR stays constant at 4.39% over all tracked periods. The variable option offers the most competitive rate today, especially for borrowers comfortable with potential fluctuations. Consider refinancing if your current rate exceeds 8%, as these stable rates could reduce your interest costs significantly over time. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of March 18, 2026, CAPITAL’s refinance student loan rates remain steady with the variable APR at 4.20% and the fixed APR at 4.39%, unchanged from one week ago. The variable rate shows a slight increase of 1 basis point over 15 days, indicating stable market conditions. Both products offer competitive rates for borrowers seeking to lower their current student loan costs. Consider refinancing if your existing rate exceeds 8%, as these options provide notable savings potential. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of March 18, 2026, COMMONWEALTH's refinance student loan rates remain steady, with the variable APR holding at 4.20% and the fixed APR stable at 4.39% over the past 7 and 15 days. These rates represent some of the most competitive options available for borrowers seeking to lower their current loan costs. Variable rates offer the lowest APR at 4.20%, making them attractive for those comfortable with potential rate fluctuations. Borrowers with existing loans above 8% should consider refinancing to capture these favorable terms; however, evaluate whether potential savings outweigh any refinancing fees. For more details, visit https://partner.lendkey.com/ccuky/refinance.
FINANCIAL PARTNERS CREDIT UNION
As of March 18, 2026, FINANCIAL PARTNERS' refinance student loan rates remain steady, with the variable APR holding at 4.20% and the fixed APR at 4.39% over the past week. These competitive rates provide a strong option for borrowers looking to lower their payments or simplify debt. Since there has been no change in rates over 30 days, it’s an opportune time to evaluate refinancing, especially if your current loan APR exceeds 8%. Consider refinancing if potential savings outweigh associated fees and terms. For more details, visit https://partner.lendkey.com/fpcu/refinance.
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Conclusion
With interest rates holding steady this month, now is an excellent time for borrowers to evaluate locking in their student loan refinance rates, especially those seeing offers below 4%. Even small APR differences can translate into significant savings over the life of a loan, making early action beneficial for many families. Students who anticipate borrowing soon or parents looking to refinance should review their credit union options carefully and consider programs with fixed rates for predictable payments. Keep an eye on credit unions like America’s Christian and Merrimack Valley for consistently low starting rates. If your current rate edges higher than today’s best offers, exploring refinancing sooner rather than later could reduce your financial burden. Staying informed about these subtle shifts empowers you to secure terms that align with your long-term goals, making every percentage point count toward a brighter financial future.