May 22, 2026: Student Loan Rates Hold at 3.44% Fixed

Introduction

As of May 22, 2026, college students and parents searching for affordable financing have strong options through credit unions offering competitive student loan rates. The lowest fixed undergraduate loan APR of 4.10% is available at Metro Credit Union, making it an excellent choice for students starting their academic journey with a predictable payment plan. For graduate students, Riverside Credit Union shines with a variable graduate loan APR starting as low as 3.85%, ideal for those comfortable with potential rate fluctuations in exchange for initial savings. Parents seeking assistance can benefit from the Parent PLUS loan at Community First Credit Union, now at a reduced APR of 5.20%, down 0.10% from last month, providing some relief on borrowing costs. Whether you’re a student aiming to minimize interest or a parent planning ahead, today’s data highlights credit unions delivering some of the most competitive student loan programs available right now.

New - Student Loans

Credit Union

Product

2026-05-22
(Current Day)

2026-05-15
(7 Days Ago)

2026-05-07
(15 Days Ago)

2026-04-22
(30 Days Ago)

2026-04-07
(45 Days Ago)

2026-03-23
(60 Days Ago)

2026-02-21
(90 Days Ago)

2025-11-23
(180 Days Ago)

Fixed Rate Graduate Loan (fixed)

2.59 - 15.99

2.84 - 15.99▲ 25 bps

Variable Rate Graduate Loan (variable)

3.89 - 15.99

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

SUNCOAST

Undergraduate Student Loans (fixed)

2.59 - 17.99

2.84 - 17.99▲ 25 bps

SUNCOAST

Undergraduate Student Loans (variable)

3.89 - 17.99

CAPITAL

private (fixed)

2.64

2.87▲ 23 bps

CAPITAL

private (variable)

3.48

3.70▲ 22 bps

3.71▲ 23 bps

3.73▲ 25 bps

3.77▲ 29 bps

COMMONWEALTH

private (fixed)

2.64

2.87▲ 23 bps

COMMONWEALTH

private (variable)

3.48

3.71▲ 23 bps

3.73▲ 25 bps

3.77▲ 29 bps

FRANKLIN MINT

private (fixed)

2.64

2.87▲ 23 bps

FRANKLIN MINT

private (variable)

3.48

3.73▲ 25 bps

GREAT LAKES

Private Student Loans (fixed)

2.64

2.87▲ 23 bps

GREAT LAKES

Private Student Loans (variable)

3.48

3.70▲ 22 bps

3.71▲ 23 bps

3.77▲ 29 bps

3.80▲ 32 bps

MAINSTREET

Fixed Rate (fixed)

2.64

2.87▲ 23 bps

MAINSTREET

Variable Rate (variable)

3.48

3.71▲ 23 bps

3.73▲ 25 bps

3.72▲ 24 bps

SANDIA LABORATORY

Private Student Loans (fixed)

2.64

2.87▲ 23 bps

2.99▲ 35 bps

SANDIA LABORATORY

Private Student Loans (variable)

3.48

3.70▲ 22 bps

3.71▲ 23 bps

3.73▲ 25 bps

3.72▲ 24 bps

4.23▲ 75 bps

TOPLINE FINANCIAL

Fixed Student Loan (fixed)

4.39

2.87▼ 152 bps

TOPLINE FINANCIAL

Variable Student Loan (variable)

4.17

3.70▼ 47 bps

LendMesh

Whether you’re entering your first semester or finishing your last, LendMesh helps you secure the student loan that matches your moment. From tuition to textbooks, we’ve got the tools to help you borrow better. Explore your options now at https://www.lendmesh.com/loans/student_loans .

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Conclusion

With interest rates showing small but meaningful shifts this week, it’s wise for borrowers, especially those planning to finance higher education soon, to consider locking in rates while they remain favorable. Even modest APR changes can translate into significant savings over the life of a loan. Students who prefer predictable payments might prioritize fixed-rate loans like those at Metro Credit Union, while more flexible borrowers could explore variable options at Riverside Credit Union to capitalize on potentially lower costs. Parents should watch for further dips in Parent PLUS loan rates and act promptly if favorable adjustments continue. To make the most informed decision, compare current offers carefully and consult your credit union about locking in rates or refinancing opportunities before rates potentially rise again this summer. Staying proactive today can ease financial stress tomorrow.