April 10, 2026: Student Loan Rates Hold at 3.44% Fixed | Parent & Grad Deals

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.