Introduction
As of June 24, 2026, students and parents exploring refinancing options can find some of the most competitive student loan rates available today. For those seeking the lowest fixed-rate refinance, America's Christian Credit Union offers an attractive range starting at 2.97% APR, making it a standout choice for borrowers looking to lock in predictable payments. If you prefer variable rates, their variable private refinance loans start just slightly higher at 2.99% APR, providing flexible repayment potential. Nursing professionals have options too, with Together Credit Union offering fixed nursing loan refinance rates beginning at 4.24% APR and variable rates from 4.99% APR. Parents looking to refinance can consider Together’s parent loan refinance with variable rates starting at 3.99% APR, giving families a tailored approach to managing education debt. Meanwhile, several credit unions such as Lake Trust and others maintain steady rates in the low 4% range for both fixed and variable programs, showing stable conditions over the past week. Whether you’re refinancing undergraduate or graduate loans, these competitive offerings present excellent opportunities to reduce interest costs and simplify repayment.
Refinance - Student Loans
| Lender | Product | 2026-06-24 Current | 2026-06-17 7 Days Ago | 2026-06-09 15 Days Ago | 2026-05-25 30 Days Ago | 2026-05-10 45 Days Ago | 2026-04-25 60 Days Ago | 2026-03-26 90 Days Ago | 2025-12-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| AMERICA'S CHRISTIAN CREDIT UNIONLOWEST | America's Christian Credit Union Private Refinance Loan (fixed) [Refinance] | 2.97 - 11.47% | 2.97 - 11.47% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICA'S CHRISTIAN CREDIT UNION | America's Christian Credit Union Private Refinance Loan (variable) [Refinance] | 2.99 - 11.47% | 2.99 - 11.47% | N/A | N/A | N/A | N/A | N/A | N/A |
| TOGETHER CREDIT UNION | Student Loan Refinance (fixed) [Refinance] | 3.74 - 11.49% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Nursing Loan Refinance (fixed) [Refinance] | 3.90 - 11.50% | 3.90 - 11.50% | N/A | N/A | N/A | N/A | N/A | N/A |
| TOGETHER CREDIT UNION | Parent Loan Refinance (variable) [Refinance] | 3.99 - 11.74% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| USC CREDIT UNION | Student Loan Refinance (variable) [Refinance] | 3.99%▲ 17 bps | 3.82% | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Student Loan Refinance (fixed) [Refinance] | 4.00 - 10.75% | 4.00 - 10.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Parent Loan Refinance (fixed) [Refinance] | 4.00 - 10.75% | 4.00 - 10.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.14% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| CAPITAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.14% | 4.14% | N/A | N/A | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.14% | 4.14% | N/A | N/A | N/A | N/A | N/A | N/A |
| FINANCIAL PARTNERS CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.14% | 4.14% | N/A | N/A | N/A | N/A | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.14% | 4.14% | N/A | N/A | N/A | N/A | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.14% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| TOGETHER CREDIT UNION | Nursing Loan Refinance (fixed) [Refinance] | 4.24 - 10.74% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| CAPITAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 4.39% | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 4.39% | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| FINANCIAL PARTNERS CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 4.39% | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Fixed Rate (fixed) [Refinance] | 4.39% | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Student Loan Refinance (variable) [Refinance] | 4.50 - 11.90% | 4.50 - 11.90% | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Parent Loan Refinance (variable) [Refinance] | 4.50 - 11.90% | 4.50 - 11.90% | N/A | N/A | N/A | N/A | N/A | N/A |
| TOGETHER CREDIT UNION | Nursing Loan Refinance (variable) [Refinance] | 4.99 - 11.24% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
AMERICA'S CHRISTIAN CREDIT UNION
As of June 24, 2026, AMERICA'S CHRISTIAN offers competitive student loan refinance rates with no changes over the past week. Their Private Refinance Loan (fixed) and Private Refinance Loan (variable) both maintain APR ranges from 2.97% to 11.47% and 2.99% to 11.47%, respectively. These stable rates provide borrowers reliable options for refinancing existing loans. Consider refinancing if your current rate exceeds 8%, as these products offer some of the lowest fixed and variable rates available today, helping reduce long-term interest costs. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
TOGETHER CREDIT UNION
As of June 24, 2026, TOGETHER’s refinance student loan rates are stable with no prior data for comparison. The most competitive option is the Student Loan Refinance (fixed) at 3.74% APR, offering a low entry point for borrowers. Parent Loan Refinance (variable) starts at 3.99% APR, while nursing refinance rates range from 4.24% to 11.24% APR depending on fixed or variable terms. Borrowers with current rates above 8% should consider refinancing to secure potentially lower payments and better terms. Evaluate refinancing if projected savings exceed any associated fees. For more details, visit https://togethercu.studentchoice.org/refinance/.
LAKE TRUST CREDIT UNION
As of June 24, 2026, LAKE TRUST's refinance student loan rates remain steady with no changes over the past 7 days. The most competitive option is the Nursing Loan Refinance (fixed), offering rates from 3.90% to 11.50% APR, the lowest starting point among listed products. Both fixed and variable Student and Parent Loan Refinances hold consistent ranges between 4.00% to 11.90% APR. Borrowers with current rates above 8% may benefit from refinancing to secure lower fixed or variable rates. Consider refinancing when potential savings exceed any associated fees for a financially sound decision. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
USC CREDIT UNION
As of June 24, 2026, USC’s Student Loan Refinance (variable) rate increased slightly to 3.99% APR, up from 3.82% one week ago. This marks a modest rise in borrowing costs over the past seven days, with no earlier data available for comparison. Despite this uptick, USC’s refinance rate remains competitively low compared to typical market options. Borrowers with current rates above 8% should consider refinancing to potentially lower their payments and total interest. Evaluate your loan terms carefully and consider refinancing if the potential savings exceed associated fees and costs.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of June 24, 2026, 1ST ADVANTAGE’s refinance student loan rates are newly listed with a variable rate at 4.14% APR and a fixed rate at 4.39% APR, with no prior data for comparison. The variable rate is currently the most competitive option, offering potential savings for borrowers comfortable with fluctuating payments. Borrowers with existing loans above 8% APR should consider refinancing to lock in these significantly lower rates. Evaluate your current loan terms against these new offers to determine if refinancing can reduce your overall interest costs and monthly payments. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of June 24, 2026, CAPITAL’s refinance student loan rates remain steady, with the Variable Student Loan at 4.14% APR and the Fixed Student Loan at 4.39% APR, showing no changes over the past 7 days. These rates are competitive options for borrowers seeking to lower their payments or consolidate existing debt. Consider refinancing if your current rate exceeds 8%, as CAPITAL offers stable, low-cost solutions without recent rate volatility. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
CYPRUS FEDERAL CREDIT UNION
As of June 24, 2026, CYPRUS Refinance Student Loans maintain steady rates with the Variable Rate at 4.14% and the Fixed Rate at 4.39%, showing no changes over the past 7, 15, or 30 days. These competitive APRs offer borrowers consistent refinancing options without recent rate volatility. If your current student loan rate exceeds 8%, consider refinancing with CYPRUS to potentially reduce interest costs while benefiting from stable terms. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FINANCIAL PARTNERS CREDIT UNION
As of June 24, 2026, FINANCIAL PARTNERS' refinance student loan rates remain steady, with the variable rate at 4.14% and the fixed rate at 4.39%, showing no change over the past 7 days. These rates represent competitive options for borrowers seeking to lower their current interest costs. Variable rates offer the lowest APR at 4.14%, making them an attractive choice for those comfortable with potential fluctuations. Borrowers with existing loans above 8% should consider refinancing to achieve meaningful savings, provided that fees and terms align favorably. For more details, visit https://partner.lendkey.com/fpcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of June 24, 2026, FRANKLIN MINT’s refinance student loan rates remain steady, with the Variable Rate at 4.14% and the Fixed Rate at 4.39%, showing no change over the past week or month. These competitive rates provide a solid option for borrowers seeking to lower their current student loan costs. Consider refinancing if your existing rate exceeds 8%, as locking in these rates could result in meaningful savings. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
MAINSTREET’s Refinance Student Loans now offer a variable rate at 4.14% and a fixed rate at 4.39%, both newly available with no prior data for comparison. The variable rate is the most competitive option currently, providing potential savings for borrowers with higher existing rates. Students and parents should evaluate refinancing if their current loan APR exceeds 8%, as MAINSTREET’s rates may significantly reduce interest costs. Careful consideration of fixed versus variable terms remains essential based on individual financial stability and risk tolerance. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
LendMesh
Already making student loan payments? You may qualify for a better deal. With LendMesh, you can explore refinancing options from banks and credit unions that could save you money every month. Start fresh at https://www.lendmesh.com/loans/student_loans .
Conclusion
With interest rates holding steady across many credit unions this week, now is an opportune moment for borrowers who value rate certainty to consider locking in fixed-rate student loan refinances, especially if you qualify for America’s Christian Credit Union’s sub-3% fixed APR. Small changes in APR, sometimes just a few hundredths of a percent, can add up significantly over the life of your loan, so staying informed and acting promptly could save hundreds or even thousands in interest payments. Parents refinancing their loans should keep an eye on Together Credit Union’s competitive variable rates that offer flexibility alongside affordability. Students nearing graduation or recent grads might benefit most from refinancing now before any market-driven rate shifts occur later this year. To make the best decision, review your current loan terms carefully, compare these fresh offers side-by-side, and reach out to your preferred credit union for personalized advice. Taking proactive steps today can unlock savings tomorrow and put you on a clearer path toward financial freedom post-college.