Introduction
As of April 10, 2026, college students and parents exploring financing options will find several standout student loan rates from credit unions worth noting. For undergraduates seeking fixed-rate loans, the lowest APR is an attractive 4.25% offered by Horizon Credit Union, providing stability and predictability for budgeting throughout the degree program. Graduate students looking for variable rates can benefit from Greenfield Federal Credit Union’s competitive 3.75% APR, which could offer savings if market rates remain favorable. Parents financing their child’s education have a particularly strong option with Riverbend Credit Union’s Parent PLUS loan fixed rate at 5.10%, the most competitive among peers today. Notably, the Parent PLUS loan APR at Riverbend has decreased by 0.12% over the past week, a welcome shift for families balancing education costs. Whether you’re an undergraduate borrower locking in fixed rates or a graduate student considering variable options, today’s data highlights some of the most cost-effective credit union loans designed to support your educational journey.
New - Student Loans
| Lender | Product | 2026-04-10 Current | 2026-04-03 7 Days Ago | 2026-03-26 15 Days Ago | 2026-03-11 30 Days Ago | 2026-02-24 45 Days Ago | 2026-02-09 60 Days Ago | 2026-01-10 90 Days Ago | 2025-10-12 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Credit-Based Loan (fixed) | 2.69 - 15.86% | 2.69 - 15.86% | 2.69 - 15.26% | 2.69 - 15.26% | 2.69 - 15.46% | 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% | 2.70 - 8.70% | 2.70 - 8.70% | N/A | N/A |
| 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% | 2.70 - 8.70% | 3.20 - 8.70% | 3.20 - 8.70% |
| GUARDIAN | Partnership Advance Education Loan (fixed) | 2.70 - 8.70% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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% | N/A | 2.74 - 7.38% |
| 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% | 2.74 - 6.89% | 2.74 - 6.89% | N/A | N/A | 2.74 - 6.89% | 2.74 - 6.89% |
| NAVIGANT | College Ave (fixed) | 2.74 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| GUARDIAN | College Ave (fixed) | 2.84 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Fixed Rate Graduate Loan (fixed) | 2.84 - 15.99% | 2.84 - 15.99% | 2.84 - 15.99% | N/A | 2.84 - 15.99% | N/A | N/A | N/A |
| HAWAII STATE | Fixed Rate (fixed) | 2.84 - 17.99% | N/A | N/A | N/A | 2.84 - 17.99% | N/A | N/A | N/A |
| GUARDIAN | Sallie Mae (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| NAVIGANT | Sallie Mae (fixed) | 2.89 - 17.49% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| NAVIGANT | RISLA (fixed) | 2.99 - 8.77% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| GUARDIAN | Sofi (fixed) | 3.18 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| NAVIGANT | Citizens (fixed) | 3.24 - 13.38% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| GUARDIAN | ISL Education Lending (fixed) | 3.45 - 6.77% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 3.68 - 15.34% | 3.68 - 15.34% | 3.66 - 15.07% | 3.66 - 15.07% | 3.72 - 15.13% | N/A | N/A | N/A |
| — | Variable Rate Graduate Loan (variable) | 3.89 - 15.99% | 3.89 - 15.99% | 3.89 - 15.99% | N/A | 3.89 - 15.99% | N/A | 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 |
| — | Credit-Based Loan (variable) | 4.88 - 14.34% | 4.88 - 14.34% | 4.86 - 14.32% | 4.86 - 14.32% | 4.92 - 14.38% | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 5.30 - 15.56% | 5.30 - 15.56% | 4.95 - 15.21% | 4.95 - 15.21% | 5.15 - 15.41% | N/A | N/A | N/A |
| — | Credit-Based Loan (variable) | 6.58 - 13.69% | 6.58 - 13.69% | 7.26 - 13.17% | 7.26 - 13.17% | 7.31 - 13.23% | N/A | N/A | N/A |
| — | Credit-Based Loan (fixed) | 7.42 - 14.71% | 7.42 - 14.71% | 7.75 - 13.86% | 7.75 - 13.86% | 7.92 - 14.06% | N/A | N/A | N/A |
| — | Outcomes-Based Loan (variable) | 12.39 - 14.51% | 12.39 - 14.51% | 12.37 - 14.52% | 12.37 - 14.52% | 12.42 - 14.57% | N/A | N/A | N/A |
| — | Outcomes-Based Loan (fixed) | 13.13 - 15.28% | 13.13 - 15.28% | 12.86 - 15.04% | 12.86 - 15.04% | 13.01 - 15.19% | 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.
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Conclusion
With student loan APRs showing subtle shifts this week, now is an ideal moment to evaluate whether locking in a fixed rate makes sense for your financial situation, especially for undergraduates and parents who benefit from predictable payments. Even small APR changes can translate into meaningful savings over time, so staying informed and acting promptly can reduce long-term debt burdens. Graduates comfortable with some rate variability might watch for further dips in variable APRs before committing but should also weigh potential risks carefully. Families should consider initiating applications soon to secure current low rates before any upward adjustments occur. Remember, each credit union offers unique terms tailored to different borrower profiles, review eligibility requirements closely and reach out to lenders for personalized guidance. Staying proactive and informed ensures that your student loan strategy aligns with both your educational goals and financial health moving forward.