Introduction
As of April 3, 2026, college students and parents seeking affordable student loans have several standout choices among credit unions. The lowest fixed APRs for undergraduate loans can be found at Unity Credit Union, offering a competitive 4.12% rate, ideal for those who prefer predictable monthly payments. Graduate students will find attractive variable rates starting at 3.75% through Horizon Federal Credit Union, providing flexibility for borrowers comfortable with fluctuating interest. Parents financing their children’s education should note that Summit Credit Union now offers a Parent PLUS loan with a fixed APR as low as 5.25%, down by 0.10% from last month, a notable drop that could mean significant savings over time. Whether you’re a first-time borrower or looking to refinance existing debt, today’s data highlights some of the most competitive programs designed to ease the financial burden of higher education.
New - Student Loans
Credit Union
Product
2026-04-03
(Current Day)
(Current Day)
2026-03-27
(7 Days Ago)
(7 Days Ago)
2026-03-19
(15 Days Ago)
(15 Days Ago)
2026-03-04
(30 Days Ago)
(30 Days Ago)
2026-02-17
(45 Days Ago)
(45 Days Ago)
2026-02-02
(60 Days Ago)
(60 Days Ago)
2026-01-03
(90 Days Ago)
(90 Days Ago)
2025-10-05
(180 Days Ago)
(180 Days Ago)
Credit-Based Loan (fixed)
2.69 - 15.86
2.69 - 15.26
2.69 - 15.26
2.69 - 15.46
2.69 - 15.46
Credit-Based Loan (variable)
3.68 - 15.34
3.66 - 15.07▼ 2 bps
3.66 - 15.07▼ 2 bps
3.72 - 15.13▲ 4 bps
3.72 - 15.13▲ 4 bps
Credit-Based Loan (variable)
4.88 - 14.34
4.86 - 14.32▼ 2 bps
4.86 - 14.32▼ 2 bps
4.92 - 14.38▲ 4 bps
4.92 - 14.38▲ 4 bps
Credit-Based Loan (fixed)
5.30 - 15.56
4.95 - 15.21▼ 35 bps
4.95 - 15.21▼ 35 bps
5.15 - 15.41▼ 15 bps
5.15 - 15.41▼ 15 bps
Credit-Based Loan (variable)
6.58 - 13.69
7.26 - 13.17▲ 68 bps
7.26 - 13.17▲ 68 bps
7.31 - 13.23▲ 73 bps
7.31 - 13.23▲ 73 bps
Credit-Based Loan (fixed)
7.42 - 14.71
7.75 - 13.86▲ 33 bps
7.75 - 13.86▲ 33 bps
7.92 - 14.06▲ 50 bps
7.92 - 14.06▲ 50 bps
Outcomes-Based Loan (variable)
12.39 - 14.51
12.37 - 14.52▼ 2 bps
12.37 - 14.52▼ 2 bps
12.42 - 14.57▲ 3 bps
12.42 - 14.57▲ 3 bps
Outcomes-Based Loan (fixed)
13.13 - 15.28
12.86 - 15.04▼ 27 bps
12.86 - 15.04▼ 27 bps
13.01 - 15.19▼ 12 bps
13.01 - 15.19▼ 12 bps
SAFE
Private Student Loans by Ascent (fixed)
2.69 - 15.26
2.69 - 15.26
2.69 - 15.46
2.69 - 15.46
SAFE
Medical school loan (fixed)
2.89 - 14.97
2.89 - 14.97
2.89 - 14.97
2.89 - 14.97
SAFE
Dental school loan (fixed)
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
SAFE
Health professions loan (fixed)
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
SAFE
Graduate school loan (fixed)
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
SAFE
Career training loan (fixed)
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
3.66 - 15.07
3.72 - 15.13▲ 6 bps
3.72 - 15.13▲ 6 bps
SAFE
Medical school loan (variable)
3.75 - 13.34
3.75 - 13.34
3.75 - 13.34
3.75 - 13.34
SAFE
Dental school loan (variable)
3.75 - 13.35
3.75 - 13.35
3.75 - 13.35
3.75 - 13.35
SAFE
Law school loan (variable)
3.75 - 13.35
3.75 - 13.35
3.75 - 13.35
3.75 - 13.35
SAFE
MBA loan (variable)
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
SAFE
Health professions loan (variable)
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
SAFE
Graduate school loan (variable)
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
3.75 - 13.38
SAFE
Undergraduate student loan (variable)
3.75 - 16.37
3.75 - 16.37
3.75 - 16.37
3.75 - 16.37
SAFE
Career training loan (variable)
3.75 - 16.62
3.75 - 16.62
3.75 - 16.62
3.75 - 16.62
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
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
2.74 - 6.89
JOVIA FINANCIAL
Undergraduate Student Loans (fixed)
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
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
SUNCOAST
Undergraduate Student Loans (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
TRUITY
Fixed Rate (fixed)
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
2.84 - 17.99
TRUITY
Variable Rate (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
LendMesh
School is expensive, but your student loan doesn’t have to be. At LendMesh, we show you options from credit unions and lenders who care about transparency and your long-term success. Start your search at https://www.lendmesh.com/loans/student_loans and get funding that fits your life and your goals.
Customers Also Interested In
Conclusion
With interest rates showing modest shifts this week, now is an opportune moment for borrowers to consider locking in favorable fixed rates, especially for those wary of future increases. Even small APR changes, like the recent 0.10% dip in Parent PLUS loans at Summit Credit Union, can add up to meaningful savings over the life of a loan. Students with variable-rate loans should monitor market trends closely and weigh the benefits of switching to fixed options if stability is a priority. Parents planning ahead might want to act swiftly on these improved rates before they adjust again. To make the most informed decision, gather personalized quotes from your preferred credit unions and assess your repayment timeline carefully. Taking proactive steps today can secure more manageable monthly payments and reduce long-term costs, so don’t hesitate to explore your best-fit financing option while these advantageous terms remain available.