July 3, 2026: Student Loan Rates Hold at 2.89% Fixed | Best Parent & Grad Deals

As of July 3, 2026, students and parents exploring student loan options can find some of the most competitive rates available from credit unions nationwide. For undergraduates seeking fixed-rate loans, Credit Union A stands out with the lowest APR at just 4.25%, offering a stable and predictable repayment plan. Graduate students looking for variable rates can take advantage of Credit Union B’s attractive 3.75% APR, which remains one of the best options this week. Parents financing their child’s education will find excellent value in Credit Union C’s Parent PLUS program, now at a reduced 5.10% APR, a notable drop of 0.15% over the past seven days. Whether you’re a first-time borrower or managing refinancing options, these programs provide flexible terms tailored to different needs, making it easier to plan your educational financing confidently.