Introduction
As of May 13, 2026, students and parents exploring student loan refinancing have several strong options to consider. The most attractive rates today come from America’s Christian Credit Union, offering fixed refinance loans starting as low as 3.44% APR and variable refinance options beginning at 3.46%. These remain the lowest rates available across all credit unions this week. For those seeking a solid fixed rate with simplicity, USC’s fixed refinance loan holds steady at a competitive 3.99% APR. Other credit unions like Clearview, 1st Advantage, and Capital present viable variable and fixed-rate programs ranging from about 3.75% to 5.49%, but none beat the top-tier offers from America’s Christian Credit Union or USC. With rates holding mostly steady over the past month, now is an excellent time for borrowers to evaluate their refinancing needs while taking advantage of these consistently low APRs.
Refinance - Student Loans
Credit Union
Product
2026-05-13
(Current Day)
(Current Day)
2026-05-06
(7 Days Ago)
(7 Days Ago)
2026-04-28
(15 Days Ago)
(15 Days Ago)
2026-04-13
(30 Days Ago)
(30 Days Ago)
2026-03-29
(45 Days Ago)
(45 Days Ago)
2026-03-14
(60 Days Ago)
(60 Days Ago)
2026-02-12
(90 Days Ago)
(90 Days Ago)
2025-11-14
(180 Days Ago)
(180 Days Ago)
America's Christian Credit Union Private Refinance Loan (fixed) [Refinance]
3.44 - 11.47
3.44 - 11.47
3.44 - 11.47
3.44 - 11.47
3.44 - 11.47
3.44 - 11.47
3.44 - 11.47
3.61 - 11.47▲ 17 bps
America's Christian Credit Union Private Refinance Loan (variable) [Refinance]
3.46 - 11.47
3.46 - 11.47
3.46 - 11.47
3.46 - 11.47
3.46 - 11.47
3.46 - 11.47
3.46 - 11.47
3.63 - 11.47▲ 17 bps
Variable Rates [Refinance]
3.75 - 10.25
3.75 - 10.25
4.00 - 10.50▲ 25 bps
4.00 - 10.50▲ 25 bps
4.00 - 10.50▲ 25 bps
Fixed Rates [Refinance]
5.49 - 12.00
5.49 - 12.00
5.49 - 12.00
5.49 - 12.00
5.49 - 12.00
Variable Rate (variable) [Refinance]
4.17
4.18▲ 1 bps
4.18▲ 1 bps
4.18▲ 1 bps
4.39▲ 22 bps
Refinance Student Loans (variable) [Refinance]
4.17
4.20▲ 3 bps
4.20▲ 3 bps
3.95▼ 22 bps
4.39▲ 22 bps
Refinance Student Loans (fixed) [Refinance]
4.39
4.39
4.39
4.39
4.49▲ 10 bps
Refinance Student Loans (variable) [Refinance]
4.17
4.18▲ 1 bps
4.18▲ 1 bps
4.18▲ 1 bps
4.19▲ 2 bps
Variable Student Loan (variable) [Refinance]
4.17
4.18▲ 1 bps
4.18▲ 1 bps
4.18▲ 1 bps
Variable Rate (variable) [Refinance]
4.18
4.18
4.18
4.18
4.20▲ 2 bps
3.86▼ 32 bps
AMERICA'S CHRISTIAN CREDIT UNION
As of May 13, 2026, AMERICA'S CHRISTIAN Credit Union's refinance student loan rates remain steady, with fixed APRs ranging from 3.44% to 11.47% and variable APRs from 3.46% to 11.47%, unchanged over the past 30 days. The lowest fixed rate at 3.44% offers a competitive option for borrowers seeking stability, while the variable loan starts slightly higher but matches the top end of fixed rates. Consider refinancing if your current rate exceeds 8%, as these options provide potential savings without recent rate increases. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
CLEARVIEW FEDERAL CREDIT UNION
CLEARVIEW’s refinance student loan rates remain steady this week, with variable rates holding at 3.75% to 10.25% and fixed rates steady between 5.49% and 12.00% over the past seven days. These competitive variable rates offer an attractive option for borrowers seeking flexibility, while fixed rates provide predictable payments without recent fluctuations. Consider refinancing if your current rate exceeds 8%, as CLEARVIEW’s stable pricing could lower your overall cost of borrowing. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
USC CREDIT UNION
As of May 13, 2026, USC’s Student Loan Refinance (fixed) rate remains steady at 3.99%, showing no change over the past 30 days. This consistent rate positions USC’s refinance product as a competitive option for borrowers seeking stable, low fixed rates. If your current student loan interest rate exceeds 8%, it may be worthwhile to consider refinancing with USC to reduce your monthly payments and overall interest costs. Maintaining a steady APR like this provides predictable budgeting advantages, especially for borrowers prioritizing long-term financial planning.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of May 13, 2026, 1ST ADVANTAGE’s refinance student loan rates remain stable, with the variable rate at 4.17%, showing a slight decrease from 4.18% a week ago. The fixed rate holds steady at 4.39% across all recent time frames. Both options offer competitive APRs in today’s market; the variable rate is currently the lowest available. Borrowers with existing loans above 8% APR should consider refinancing to potentially reduce interest costs significantly. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of May 13, 2026, CAPITAL’s refinance student loan rates remain steady with the private variable rate at 4.17%, down slightly from 4.18% a week and two weeks ago. The private fixed rate holds firm at 4.39%, showing no change over the past 15 days. These competitive APRs present strong options for borrowers seeking to lower their current rates. Consider refinancing if your existing loan rate exceeds 8%, as CAPITAL’s offerings may significantly reduce your interest burden. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
FINANCIAL PARTNERS CREDIT UNION
As of May 13, 2026, FINANCIAL PARTNERS’ refinance student loan rates are newly available with a Variable Student Loan APR at 4.17% and a Fixed Student Loan APR at 4.39%. These competitive rates provide attractive options for borrowers seeking to lower costs on existing loans. Since no prior data is available, trends can’t be assessed yet; however, borrowers with current rates above 8% should consider refinancing to potentially reduce interest expenses. Evaluating fixed versus variable options based on your risk tolerance is advisable. For more details, visit https://partner.lendkey.com/fpcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of May 13, 2026, FRANKLIN MINT’s Refinance Student Loans offer competitive rates with a variable APR at 4.17% and a fixed APR at 4.39%, both newly available without previous rate comparisons. The variable refinance loan holds the lowest APR, making it an attractive option for borrowers seeking flexible payment terms. Students and parents should consider refinancing if current loan rates exceed these figures, as locking in a lower APR can reduce long-term interest costs. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of May 13, 2026, TOPLINE FINANCIAL’s refinance student loan rates remain stable with the variable APR at 4.17%, slightly down from 4.18% over the past 30 days. The fixed APR holds steady at 4.39%, unchanged in the last month. The variable rate offers the most competitive option for borrowers seeking potential savings through refinancing. Consider refinancing if your current loan APR exceeds these levels, especially if you prefer a variable rate that has shown a minor downward trend. Evaluate costs carefully to ensure refinancing delivers net savings. For more details, visit https://partner.lendkey.com/topline/refinance.
UNIVERSITY FIRST FEDERAL CREDIT UNION
As of May 13, 2026, UNIVERSITY FIRST’s refinance student loan rates remain stable with the Variable Student Loan at 4.17% APR, down slightly by 1 basis point over the past week. The Fixed Student Loan holds steady at 4.39% APR with no change in the last 30 days. The variable option offers the most competitive rate for borrowers seeking flexibility, while fixed rates provide predictable payments without recent increases. Consider refinancing if your current rate exceeds 8%, as these options could reduce your interest costs significantly. For more details, visit https://partner.lendkey.com/canyonviewcu/refinance.
CYPRUS FEDERAL CREDIT UNION
As of May 13, 2026, CYPRUS refinance student loan rates remain steady with the Variable Rate at 4.18% APR and the Fixed Rate at 4.39% APR, unchanged over the past 30 days. The variable rate offers the most competitive option for borrowers seeking flexibility, while the fixed rate provides predictable payments without rate fluctuations. Borrowers currently paying above 8% should consider refinancing to potentially reduce interest costs significantly. Given the stable rates, evaluating your loan terms against these options can clarify potential savings. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
LendMesh
Not all lenders look out for your long-term future—but LendMesh partners do. We work with credit unions and trusted banks to provide student loan options that are flexible, fair, and built for real life. Explore offers now at https://www.lendmesh.com/loans/student_loans .
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Conclusion
Looking ahead, students and parents should consider locking in rates soon, especially if you qualify for the best fixed or variable programs around 3.4% to 4.0%. Even small APR differences can save thousands over the life of a loan, so timely action is key. If you prefer stability, fixed rates like USC’s consistent 3.99% offer peace of mind against future rate increases. Variable rate borrowers should watch market trends closely but can still benefit from current low starting points under 4.2%. For families weighing refinancing options, comparing terms alongside APRs will ensure the best fit for your financial goals. Exploring pre-approval offers this week could secure your spot at today’s favorable rates, don’t wait too long as market shifts can happen quickly! Staying informed and proactive will help you make confident choices that support your education funding journey.