Introduction
As of March 20, 2026, today’s student loan landscape offers some standout opportunities for students and parents navigating financing options. For undergraduates seeking fixed-rate loans, CommunityFirst Credit Union leads with an impressively low 4.15% APR on a 10-year term, one of the most competitive rates available right now. Graduate students can also find value with Pioneer Credit Union, which offers a variable-rate loan starting at just 4.35% APR, ideal for those comfortable with potential rate fluctuations in exchange for lower initial costs. Parents looking to support their children through education will appreciate Heritage Credit Union’s Parent PLUS loan fixed rate of 5.25% APR, which remains steady and affordable this week. Notably, the Parent PLUS loan APR at Heritage Credit Union fell by 0.12% over the past seven days, signaling a favorable trend for borrowers planning to secure funds soon. Whether you’re a student preparing for college expenses or a parent ready to invest in your child’s future, today’s credit union rates provide some of the best avenues to explore with confidence.
New - Student Loans
| Lender | Product | 2026-03-20 Current | 2026-03-13 7 Days Ago | 2026-03-05 15 Days Ago | 2026-02-18 30 Days Ago | 2026-02-03 45 Days Ago | 2026-01-19 60 Days Ago | 2025-12-20 90 Days Ago | 2025-09-21 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.26% | 2.69 - 15.26% | 2.69 - 15.26% | 2.69 - 15.46% | 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% | N/A | 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% | 2.74 - 7.38% | N/A | N/A |
| 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% | 2.74 - 6.89% | N/A | N/A |
| TEXANS | Texans Private Student Loan (fixed) | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | N/A | 2.74 - 7.38% | 2.74 - 6.89% | 2.74 - 6.89% |
| — | Fixed Rate Graduate Loan (fixed) | 2.84 - 15.99% | N/A | N/A | 2.84 - 15.99% | N/A | 2.74 - 15.99% | N/A | N/A |
| HAWAII STATE | Fixed Rate (fixed) | 2.84 - 17.99% | N/A | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A |
| SUNCOAST | Undergraduate Student Loans (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | 2.74 - 17.99% | 2.74 - 17.99% | N/A | N/A |
| TRUITY | Fixed Rate (fixed) | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | 2.84 - 17.99% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 3.66 - 15.07% | 3.66 - 15.07% | 3.66 - 15.07% | 3.72 - 15.13% | N/A | N/A | N/A | N/A |
| — | Variable Rate Graduate Loan (variable) | 3.89 - 15.99% | N/A | N/A | 3.89 - 15.99% | N/A | 3.89 - 15.99% | N/A | N/A |
| HAWAII STATE | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A |
| SUNCOAST | Undergraduate Student Loans (variable) | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A |
| TRUITY | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 4.86 - 14.32% | 4.86 - 14.32% | 4.86 - 14.32% | 4.92 - 14.38% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 4.95 - 15.21% | 4.95 - 15.21% | 4.95 - 15.21% | 5.15 - 15.41% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 7.26 - 13.17% | 7.26 - 13.17% | 7.26 - 13.17% | 7.31 - 13.23% | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.75 - 13.86% | 7.75 - 13.86% | 7.75 - 13.86% | 7.92 - 14.06% | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.37 - 14.52% | 12.37 - 14.52% | 12.37 - 14.52% | 12.42 - 14.57% | N/A | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 12.86 - 15.04% | 12.86 - 15.04% | 12.86 - 15.04% | 13.01 - 15.19% | 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
Your degree is the goal—but smart funding is the key. At LendMesh, we empower students and parents to compare lender offers side-by-side and make decisions that protect your future. Start your journey today at https://www.lendmesh.com/loans/student_loans .
Conclusion
As interest rates show subtle shifts this week, locking in a low fixed APR can be a smart move, especially if you prefer predictable monthly payments over the life of your loan. Even seemingly small changes, like the 0.12% dip in the Parent PLUS loan rate at Heritage Credit Union, can translate into meaningful savings over time. Students aiming for graduate studies should weigh the benefits of variable rates but remain mindful of potential increases down the road. Parents and undergraduates who prioritize stability might consider locking in fixed rates now to avoid future hikes. To maximize your financial strategy, review your borrowing timeline carefully and act promptly on these competitive credit union offers before rates adjust again next month. Connecting directly with your preferred credit union for personalized advice can also uncover additional benefits or repayment options tailored to your situation, helping you turn today’s opportunities into tomorrow’s educational success stories.