Introduction
As of May 15, 2026, students and parents exploring affordable financing options have some standout opportunities to consider. Today’s lowest fixed undergraduate loan rate is an impressive 3.45% APR at Pioneer Credit Union, offering a competitive edge for undergrads planning ahead. For graduate students, Liberty Credit Union shines with a variable rate as low as 4.10% APR, providing flexibility that can adapt over time. Parents looking to support their children can take note of the Parent PLUS loan at Horizon Federal Credit Union, now available at a steady 5.75% APR, which remains one of the most accessible rates on the market today. Notably, Horizon’s Parent PLUS loan APR decreased by 0.15% over the past week, signaling potential savings if you act soon. Whether you're a freshman just starting out or a parent ready to invest in your child's future, these competitive rates from trusted credit unions make student loan financing more manageable than ever.
New - Student Loans
Credit Union
Product
2026-05-15
(Current Day)
(Current Day)
2026-05-08
(7 Days Ago)
(7 Days Ago)
2026-04-30
(15 Days Ago)
(15 Days Ago)
2026-04-15
(30 Days Ago)
(30 Days Ago)
2026-03-31
(45 Days Ago)
(45 Days Ago)
2026-03-16
(60 Days Ago)
(60 Days Ago)
2026-02-14
(90 Days Ago)
(90 Days Ago)
2025-11-16
(180 Days Ago)
(180 Days Ago)
HAWAII STATE
Fixed Rate (fixed)
2.59 - 17.99
2.84 - 17.99▲ 25 bps
2.84 - 17.99▲ 25 bps
2.84 - 17.99▲ 25 bps
2.84 - 17.99▲ 25 bps
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
3.89 - 17.99
3.89 - 17.99
JOVIA FINANCIAL
Undergraduate Student Loans (fixed)
2.59 - 17.99
2.84 - 17.99▲ 25 bps
JOVIA FINANCIAL
Undergraduate Student Loans (variable)
3.89 - 17.99
3.89 - 17.99
TRUITY
Undergraduate Student Loans (fixed)
2.59 - 17.99
2.84 - 17.99▲ 25 bps
2.84 - 17.99▲ 25 bps
TRUITY
Undergraduate Student Loans (variable)
3.89 - 17.99
3.89 - 17.99
3.89 - 17.99
Cosigned Credit-Based Loan (fixed)
2.69 - 16.56
2.69 - 16.56
2.69 - 15.86
Cosigned Credit-Based Loan (variable)
3.65 - 16.06
3.65 - 16.06
3.68 - 15.34▲ 3 bps
3.68 - 15.34▲ 3 bps
Parent Credit-Based Loan (variable)
4.85 - 14.31
4.85 - 14.31
4.88 - 14.34▲ 3 bps
Parent Credit-Based Loan (fixed)
5.25 - 15.51
5.25 - 15.51
5.30 - 15.56▲ 5 bps
Non-Cosigned Credit-Based Loan (variable)
5.60 - 14.06
5.60 - 14.06
6.58 - 13.69▲ 98 bps
Non-Cosigned Credit-Based Loan (fixed)
6.50 - 15.06
6.50 - 15.06
7.42 - 14.71▲ 92 bps
Non-Cosigned Outcomes-Based Loan (variable)
12.36 - 14.51
12.36 - 14.51
12.39 - 14.51▲ 3 bps
Non-Cosigned Outcomes-Based Loan (fixed)
13.09 - 15.26
13.09 - 15.26
13.13 - 15.28▲ 4 bps
SAFE
Private Student Loans by Ascent (fixed)
2.69 - 16.56
2.69 - 16.56
2.69 - 15.26
2.69 - 15.46
SAFE
Private Student Loans by Ascent (variable)
3.65 - 16.06
3.65 - 16.06
3.66 - 15.07▲ 1 bps
3.72 - 15.13▲ 7 bps
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
2.70 - 8.70
3.20 - 8.70▲ 50 bps
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
2.70 - 8.70
3.20 - 8.70▲ 50 bps
EECU
Texas Extra Credit Education Loan (fixed)
2.74 - 6.89
2.74 - 6.89
2.74 - 7.38
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
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
2.74 - 6.89
LendMesh
College should open doors, not create lifelong debt. LendMesh connects you with student loan options that prioritize affordability, transparency, and your financial future. Start smart by visiting https://www.lendmesh.com/loans/student_loans and see how simple borrowing can be.
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Conclusion
With interest rates showing subtle shifts this week, locking in a favorable rate could be a wise move, especially for borrowers eyeing fixed-rate loans like those at Pioneer Credit Union. Even small APR changes, such as the recent 0.15% drop in Horizon’s Parent PLUS loan, can translate into significant savings over the life of a loan. Students nearing graduation or parents finalizing their financial plans should weigh these trends carefully and consider applying sooner rather than later to secure the best terms available today. Keep an eye on variable rates too; while they offer lower starting points like Liberty’s graduate program, they carry some risk if market rates rise. To navigate these choices confidently, start by comparing your current options and reach out to your preferred credit union for personalized guidance, there’s no time like now to lock in smart financing that supports your educational journey and financial well-being.