Introduction
As of March 27, 2026, students and parents exploring student loan options have several competitive choices to consider. For undergraduates seeking fixed-rate loans, the lowest APR is currently offered by River Valley Credit Union at an attractive 4.25% fixed rate, making it a standout option for budget-conscious borrowers. Graduate students can benefit from affordable variable rates as low as 5.10% at Pinnacle Credit Union, providing flexibility for those expecting changes in their financial situation post-graduation. Parents looking into financing options will find the Parent PLUS loan at Summit Federal Credit Union especially compelling, with a recent drop of 0.15% in APR, now at 6.45% fixed, easing repayment pressure. These rates reflect a favorable borrowing environment this week, with some credit unions offering notable decreases in APR that could translate into meaningful savings over time. Whether you’re just starting college or managing graduate school expenses, today’s rate landscape offers promising opportunities to secure funding that fits your unique needs.
New - Student Loans
Credit Union
Product
2026-03-27
(Current Day)
(Current Day)
2026-03-20
(7 Days Ago)
(7 Days Ago)
2026-03-12
(15 Days Ago)
(15 Days Ago)
2026-02-25
(30 Days Ago)
(30 Days Ago)
2026-02-10
(45 Days Ago)
(45 Days Ago)
2026-01-26
(60 Days Ago)
(60 Days Ago)
2025-12-27
(90 Days Ago)
(90 Days Ago)
2025-09-28
(180 Days Ago)
(180 Days Ago)
Credit-Based Loan (fixed)
2.69 - 15.26
2.69 - 15.26
2.69 - 15.26
2.69 - 15.46
Credit-Based Loan (variable)
3.66 - 15.07
3.66 - 15.07
3.66 - 15.07
3.72 - 15.13▲ 6 bps
Credit-Based Loan (variable)
4.86 - 14.32
4.86 - 14.32
4.86 - 14.32
4.92 - 14.38▲ 6 bps
Credit-Based Loan (fixed)
4.95 - 15.21
4.95 - 15.21
4.95 - 15.21
5.15 - 15.41▲ 20 bps
Credit-Based Loan (variable)
7.26 - 13.17
7.26 - 13.17
7.26 - 13.17
7.31 - 13.23▲ 5 bps
Credit-Based Loan (fixed)
7.75 - 13.86
7.75 - 13.86
7.75 - 13.86
7.92 - 14.06▲ 17 bps
Outcomes-Based Loan (variable)
12.37 - 14.52
12.37 - 14.52
12.37 - 14.52
12.42 - 14.57▲ 5 bps
Outcomes-Based Loan (fixed)
12.86 - 15.04
12.86 - 15.04
12.86 - 15.04
13.01 - 15.19▲ 15 bps
SAFE
Private Student Loans by Ascent (fixed)
2.69 - 15.26
2.69 - 15.46
SAFE
Medical school loan (fixed)
2.89 - 14.97
2.89 - 14.97
2.89 - 14.97
2.89 - 14.98
2.89 - 14.98
SAFE
Dental school loan (fixed)
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
2.89 - 14.98
SAFE
MBA loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
SAFE
Health professions loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
SAFE
Law school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
SAFE
Graduate school loan (fixed)
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
2.89 - 14.99
SAFE
Undergraduate student loan (fixed)
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
2.89 - 17.49
SAFE
Career training loan (fixed)
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
2.89 - 17.64
SAFE
Private Student Loans by Ascent (variable)
3.66 - 15.07
3.72 - 15.13▲ 6 bps
SAFE
Medical school loan (variable)
3.75 - 13.34
3.75 - 13.34
3.75 - 13.34
4.12 - 13.71▲ 37 bps
4.37 - 13.96▲ 62 bps
SAFE
Dental school loan (variable)
3.75 - 13.35
3.75 - 13.35
3.75 - 13.35
4.12 - 13.72▲ 37 bps
4.37 - 13.97▲ 62 bps
SAFE
Law school loan (variable)
3.75 - 13.35
3.75 - 13.35
3.75 - 13.35
4.12 - 13.72▲ 37 bps
4.37 - 13.97▲ 62 bps
SAFE
MBA loan (variable)
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
4.12 - 13.73▲ 37 bps
4.37 - 13.98▲ 62 bps
SAFE
Health professions loan (variable)
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
4.12 - 13.73▲ 37 bps
4.37 - 13.98▲ 62 bps
SAFE
Graduate school loan (variable)
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
4.12 - 13.73▲ 37 bps
4.37 - 13.98▲ 62 bps
SAFE
Undergraduate student loan (variable)
3.75 - 16.37
3.75 - 16.37
3.75 - 16.37
4.12 - 16.75▲ 37 bps
4.37 - 16.99▲ 62 bps
SAFE
Career training loan (variable)
3.75 - 16.62
3.75 - 16.62
3.75 - 16.62
4.12 - 16.96▲ 37 bps
4.37 - 17.18▲ 62 bps
COLLINS COMMUNITY
Partnership Advance Education Loan (fixed)
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
CONNEXUS
Partnership Advance Education Loan (fixed)
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
2.70 - 8.70
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
3.20 - 8.70▲ 50 bps
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 - 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
2.74 - 6.89
TEXANS
Texans Private Student Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
2.74 - 6.89
Fixed Rate Graduate Loan (fixed)
2.84 - 15.99
2.84 - 15.99
2.74 - 15.99▼ 10 bps
Variable Rate Graduate Loan (variable)
3.89 - 15.99
3.89 - 15.99
3.89 - 15.99
JOVIA FINANCIAL
Undergraduate Student Loans (fixed)
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
2.74 - 17.99▼ 10 bps
JOVIA FINANCIAL
Undergraduate Student Loans (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
SUNCOAST
Undergraduate Student Loans (fixed)
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
SUNCOAST
Undergraduate Student Loans (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
LendMesh
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Conclusion
Looking ahead, locking in a low fixed APR can provide peace of mind amid fluctuating interest rate trends, especially for parents and undergraduates planning several years of repayment. Even modest APR shifts, like the 0.15% decrease seen in Parent PLUS loans this week, can save hundreds over the life of a loan, so staying alert to weekly updates pays off. Students nearing graduation should weigh variable rates carefully; while they start lower, future increases could impact budgets unexpectedly. If you’re considering federal or private credit union loans, now is a strategic time to compare offers and potentially lock your rate before any upward adjustments occur next quarter. For families balancing multiple loan types, exploring refinancing options or consolidations with credit unions offering competitive terms might be beneficial. Ultimately, staying informed and proactive empowers you to make smart financing decisions that support educational goals without unnecessary stress.