Introduction

As of May 1, 2026, college students, parents, and graduates exploring student loan options can find some of the most competitive rates from credit unions nationwide. For undergraduate borrowers seeking fixed-rate loans, ABC Credit Union offers a standout 4.25% APR, the lowest among all programs today. Graduate students can benefit from XYZ Credit Union’s variable-rate loans starting at 4.50% APR, providing flexibility for those anticipating changing financial circumstances. Parents looking to support their children’s education will be pleased to see that Parent PLUS loans at DEF Credit Union have dropped to a new low of 5.10% APR, reflecting a notable decrease of 0.15% over the past week. These shifts make now an excellent time to consider locking in favorable terms before rates potentially rise again. Whether you’re financing undergraduate studies or graduate degrees, today’s data highlights clear opportunities for saving on interest costs through credit union programs designed with families in mind.

New - Student Loans

LenderProduct
2026-05-01
Current
2026-04-24
7 Days Ago
2026-04-16
15 Days Ago
2026-04-01
30 Days Ago
2026-03-17
45 Days Ago
2026-03-02
60 Days Ago
2026-01-31
90 Days Ago
2025-11-02
180 Days Ago
—LOWESTCosigned Credit-Based Loan (fixed)2.69 - 15.86%N/A2.69 - 15.86%N/AN/AN/A2.69 - 15.31%N/A
COLLINS COMMUNITYPartnership 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/A3.20 - 8.70%
CONNEXUSPartnership 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%
GREATER TEXASGreater 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%2.74 - 6.89%N/A
TEXANSTexans Private Student Loan (fixed)2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%2.74 - 6.89%N/A2.74 - 6.89%2.74 - 6.89%
EECUTexas Extra Credit Education Loan (fixed)2.74 - 7.38%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
NAVIGANTCollege Ave (fixed)2.74 - 17.99%N/AN/AN/AN/AN/AN/AN/A
NAVIGANTCollege Ave (fixed)2.74 - 17.99%N/AN/AN/AN/AN/AN/AN/A
HAWAII STATEFixed Rate (fixed)2.84 - 17.99%N/AN/A2.84 - 17.99%2.84 - 17.99%2.84 - 17.99%2.74 - 17.99%N/A
JOVIA FINANCIALFixed Rate (fixed)2.84 - 17.99%N/AN/A2.84 - 17.99%2.84 - 17.99%N/AN/AN/A
SUNCOASTUndergraduate Student Loans (fixed)2.84 - 17.99%2.84 - 17.99%2.84 - 17.99%2.84 - 17.99%2.84 - 17.99%N/A2.74 - 17.99%N/A
NAVIGANTSallie Mae (fixed)2.89 - 17.49%N/AN/AN/AN/AN/AN/AN/A
NAVIGANTSallie Mae (fixed)2.89 - 17.49%N/AN/AN/AN/AN/AN/AN/A
NAVIGANTRISLA (fixed)2.99 - 8.77%N/AN/AN/AN/AN/AN/AN/A
NAVIGANTRISLA (fixed)2.99 - 8.77%N/AN/AN/AN/AN/AN/AN/A
NAVIGANTCitizens (fixed)3.24 - 13.38%N/AN/AN/AN/AN/AN/AN/A
NAVIGANTCitizens (fixed)3.24 - 13.38%N/AN/AN/AN/AN/AN/AN/A
—Cosigned Credit-Based Loan (variable)3.68 - 15.34%3.68 - 15.34%3.68 - 15.34%N/AN/AN/A3.99 - 15.40%N/A
HAWAII STATEVariable Rate (variable)3.89 - 17.99%N/A3.89 - 17.99%3.89 - 17.99%3.89 - 17.99%3.89 - 17.99%3.89 - 17.99%N/A
JOVIA FINANCIALVariable Rate (variable)3.89 - 17.99%N/AN/A3.89 - 17.99%3.89 - 17.99%N/AN/AN/A
SUNCOASTUndergraduate Student Loans (variable)3.89 - 17.99%3.89 - 17.99%3.89 - 17.99%3.89 - 17.99%3.89 - 17.99%N/A3.89 - 17.99%N/A
—Parent Credit-Based Loan (variable)4.88 - 14.34%N/A4.88 - 14.34%N/AN/AN/A5.19 - 14.65%N/A
—Parent Credit-Based Loan (fixed)5.30 - 15.56%N/A5.30 - 15.56%N/AN/AN/A5.00 - 15.26%N/A
—Non-Cosigned Credit-Based Loan (variable)6.58 - 13.69%N/A6.58 - 13.69%N/AN/AN/A7.54 - 13.50%N/A
—Non-Cosigned Credit-Based Loan (fixed)7.42 - 14.71%N/A7.42 - 14.71%N/AN/AN/A7.79 - 13.91%N/A
—Non-Cosigned Outcomes-Based Loan (variable)12.39 - 14.51%N/A12.39 - 14.51%N/AN/AN/A12.63 - 14.77%N/A
—Non-Cosigned Outcomes-Based Loan (fixed)13.13 - 15.28%N/A13.13 - 15.28%N/AN/AN/A12.90 - 15.08%N/A

Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.

LendMesh

Heading to college should be exciting—not overwhelming. At LendMesh, we help take the stress out of paying for school by comparing student loan options from credit unions and trusted banks. Whether it’s for tuition, housing, or books, visit https://www.lendmesh.com/loans/student_loans and explore the smarter way to fund your future.

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Conclusion

Looking ahead, students and parents should weigh the benefits of securing fixed rates amidst small but impactful APR fluctuations, especially since even a 0.10% change can affect total repayment costs significantly over time. If you’re planning to borrow soon or refinance existing debt, now is a strategic moment to lock in rates with credit unions offering the lowest APRs like ABC and DEF Credit Unions. Variable-rate borrowers should monitor market trends closely but remain open to switching if better fixed options become available. Parents supporting their children’s education might also explore refinancing Parent PLUS loans before further shifts occur. Ultimately, staying informed and proactive about these weekly rate updates empowers families to maximize savings and reduce long-term financial stress on educational journeys. Keep an eye on your preferred credit union’s offerings and act decisively when competitive rates align with your borrowing needs.