Introduction
As of June 10, 2026, college students, parents, and graduates exploring student loan refinancing have several competitive options to consider. For those seeking the lowest fixed rates, Merrimack Valley Credit Union offers an attractive range starting at 3.75% APR, while their variable refinance rates begin at a slightly higher 5.25% APR. If you prefer variable rates with a broader spectrum, Clearview Credit Union presents a compelling choice with rates from 3.75% to 10.25% APR. Nursing professionals looking for specialized refinancing can find flexible fixed rates starting at 3.90% APR through Lake Trust’s nursing loan refinance program. Notably, some credit unions like USC maintain consistent fixed rates at a steady 3.99% APR, ideal for borrowers valuing predictability. Across the board, most programs show stable rates compared to last week, offering reassurance to those locking in financing now. Whether you’re refinancing undergraduate loans or parent loans, today’s market features solid options designed to fit diverse financial needs with competitive, low starting APRs.
Refinance - Student Loans
Credit Union
Product
2026-06-10
(Current Day)
(Current Day)
2026-06-03
(7 Days Ago)
(7 Days Ago)
2026-05-26
(15 Days Ago)
(15 Days Ago)
2026-05-11
(30 Days Ago)
(30 Days Ago)
2026-04-26
(45 Days Ago)
(45 Days Ago)
2026-04-11
(60 Days Ago)
(60 Days Ago)
2026-03-12
(90 Days Ago)
(90 Days Ago)
2025-12-12
(180 Days Ago)
(180 Days Ago)
Variable Rates [Refinance]
5.25 - 10.75
5.25 - 10.75
5.25 - 10.75
5.50 - 11.00▲ 25 bps
Variable Rates [Refinance]
3.75 - 10.25
3.75 - 10.25
3.75 - 10.25
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
Nursing Loan Refinance (fixed) [Refinance]
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
3.90 - 11.50
Student Loan Refinance (fixed) [Refinance]
4.00 - 10.75
4.00 - 10.75
3.90 - 9.75▼ 10 bps
3.90 - 9.75▼ 10 bps
private (variable) [Refinance]
4.14
4.19▲ 5 bps
4.17▲ 3 bps
4.17▲ 3 bps
4.18▲ 4 bps
4.19▲ 5 bps
Variable Rate (variable) [Refinance]
4.19
4.19
4.17▼ 2 bps
4.17▼ 2 bps
4.18▼ 1 bps
4.18▼ 1 bps
4.19
Refinance Student Loans (variable) [Refinance]
4.19
4.19
4.18▼ 1 bps
4.18▼ 1 bps
4.20▲ 1 bps
MERRIMACK VALLEY CREDIT UNION
As of June 10, 2026, MERRIMACK VALLEY's refinance student loan rates remain stable with no changes over the past 30 days. Their fixed rates range from 3.75% to 8.75% APR, making them a competitive option for borrowers seeking predictable payments. Variable rates are slightly higher, spanning 5.25% to 10.75% APR, and also unchanged recently. For those with current loans above 8%, refinancing into fixed-rate products could offer cost savings and payment certainty. Given the steady rates, evaluating your current loan terms against these ranges can help determine if refinancing is beneficial. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
CLEARVIEW FEDERAL CREDIT UNION
As of June 10, 2026, CLEARVIEW’s refinance student loan rates remain steady, with variable rates ranging from 3.75% to 10.25% and fixed rates between 5.49% and 12.00% over the past 30 days. These stable rates highlight consistent affordability for borrowers seeking to lower payments or simplify loans. The lowest variable rate at 3.75% offers a competitive option, especially for those with strong credit profiles. Consider refinancing if your current loan rate exceeds 8%, as CLEARVIEW’s fixed and variable options may provide meaningful savings without recent rate increases. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
LAKE TRUST CREDIT UNION
As of June 10, 2026, LAKE TRUST’s refinance student loan rates remain steady across all products with no changes over the past 7 days. The Nursing Loan Refinance (fixed) offers the lowest starting APR at 3.90%, making it the most competitive option for healthcare professionals seeking refinancing. Both Student Loan Refinance (fixed) and variable rates hold firm at 4.00% to 10.75% and 4.50% to 11.90%, respectively. Borrowers with current rates above 8% should consider refinancing to potentially lower their payments; stable rates present an opportunity without timing risk. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
USC CREDIT UNION
As of June 10, 2026, USC’s Student Loan Refinance (fixed) rate remains steady at 3.99%, showing no change over the past 30 days. This consistent rate offers a competitive option for borrowers seeking to lower their student loan interest costs through refinancing. For those with current rates above 8%, refinancing at 3.99% could significantly reduce monthly payments and total interest. Maintaining a stable APR like this provides predictability for budgeting. Consider refinancing if your existing loan terms exceed this rate and potential savings outweigh any associated fees.
NAVIGANT CREDIT UNION
NAVIGANT’s RISLA fixed-rate student loan refinance product currently offers rates between 5.99% and 8.74% APR, with no prior data for direct comparison. This competitive range is attractive for borrowers seeking to lower their existing rates. Consider refinancing if your current rate exceeds 8%, as this option may reduce your interest costs over time. Transparent rate offerings like these can help borrowers make informed decisions based on their credit profile and financial goals. For more details, visit https://www.risla.com/refi-student-loans-navigant.
CAPITAL CREDIT UNION
As of June 10, 2026, CAPITAL’s private refinance rates remain steady with the variable APR at 4.14%, down slightly from 4.19% a week ago, showing a modest improvement for borrowers seeking flexibility. The fixed refinance rate holds firm at 4.39%, unchanged over the past month, offering predictability for those prioritizing stable payments. Variable refinance loans present the most competitive option currently with a slight downward trend in the last week. Borrowers with rates above 8% should consider refinancing to capitalize on these lower APRs and reduce interest costs. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of June 10, 2026, COMMONWEALTH’s private refinance student loans show competitive rates with a variable APR at 4.14% and a fixed APR at 4.39%; these are newly published rates without prior data for comparison. The variable rate offers the lowest APR, making it an attractive option for borrowers seeking flexible payments. Students or parents with existing loans above 8% should consider refinancing to potentially reduce interest costs. Given no recent rate changes to track, focus on your current loan terms and calculate if refinancing yields meaningful savings after fees. For more details, visit https://partner.lendkey.com/ccuky/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of June 10, 2026, TOPLINE FINANCIAL’s Variable Student Loan Refinance rate decreased slightly to 4.14%, down 5 basis points from 7 days ago, marking it as the most competitive option currently available. The Fixed Student Loan Refinance rate remains steady at 4.39% over the past week. Borrowers with rates above 8% should consider refinancing to capitalize on these lower APRs, especially given the variable option’s recent improvement. For those seeking stability, the fixed rate offers consistent terms without recent increases. Evaluate potential savings against refinancing costs before proceeding. For more details, visit https://partner.lendkey.com/topline/refinance.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of June 10, 2026, 1ST ADVANTAGE maintains steady refinance student loan rates. The Variable Rate Refinance holds at 4.19%, unchanged over the past week but slightly up by 2 bps compared to 30 days ago. The Fixed Rate Refinance remains stable at 4.39% with no movement in the last month. Both options offer competitive APRs well below typical federal rates, making them attractive for borrowers seeking lower costs. Consider refinancing if your current student loan rate exceeds 8%, as these rates could reduce your interest burden effectively. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
FINANCIAL PARTNERS CREDIT UNION
As of June 10, 2026, FINANCIAL PARTNERS’ refinance student loan rates remain steady, with the variable APR at 4.19% and the fixed APR at 4.39%, unchanged from a week ago. These competitive rates offer an attractive option for borrowers seeking to lower their current loan costs. Variable rates provide the lowest APR at 4.19%, ideal for those comfortable with potential rate fluctuations. If your existing student loans have rates above 8%, consider refinancing to secure these lower rates and reduce interest expenses. For more details, visit https://partner.lendkey.com/fpcu/refinance.
LendMesh
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Conclusion
With interest rates holding steady this week, now is an excellent time for borrowers, especially those who qualify for the lowest fixed APRs around 3.75% to 3.99%, to consider locking in your rate and securing predictable monthly payments. Even small shifts in APR can translate into significant savings over the life of a loan, so don’t underestimate the value of timely action. Parents and graduates should carefully evaluate whether fixed or variable programs best align with their risk tolerance and long-term plans. For those who prefer flexibility, variable-rate programs remain competitive but be mindful of potential future fluctuations. To make the most informed decision, gather detailed offers from credit unions like Merrimack Valley and Clearview, compare terms closely, and prioritize lenders with transparent fees and strong member support. Start your application soon to capitalize on today’s favorable conditions before any market shifts occur, ensuring your student loan refinancing works effectively toward your financial goals.