Introduction
As of July 22, 2026, students and parents exploring student loan refinancing options have some compelling choices to consider. The lowest rates available today come from America’s Christian Credit Union, offering private refinance loans with fixed rates starting as low as 2.89% APR and variable rates at 2.91% APR, some of the most competitive in the market. For those looking at variable-rate programs, USC’s Student Loan Refinance maintains steady rates between 3.74% and 3.99% APR, showing consistency over the past month. Several other credit unions like Clearview, 1st Advantage, Capital, and Commonwealth present fixed and variable refinance options generally ranging from around 3.98% to 4.19% APR, providing solid alternatives for borrowers seeking stability or flexibility. Whether you’re a recent graduate, a parent refinancing loans, or a current student planning ahead, these rate trends highlight great opportunities to secure affordable financing tailored to your needs.
Refinance - Student Loans
| Lender | Product | 2026-07-22 Current | 2026-07-15 7 Days Ago | 2026-07-07 15 Days Ago | 2026-06-22 30 Days Ago | 2026-06-07 45 Days Ago | 2026-05-23 60 Days Ago | 2026-04-23 90 Days Ago | 2026-01-23 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| AMERICA'S CHRISTIAN CREDIT UNIONLOWEST | America's Christian Credit Union Private Refinance Loan (fixed) [Refinance] | 2.89 - 12.00% | 2.89 - 12.00% | 2.89 - 12.00% | 2.97 - 11.47% | N/A | N/A | N/A | N/A |
| AMERICA'S CHRISTIAN CREDIT UNION | America's Christian Credit Union Private Refinance Loan (variable) [Refinance] | 2.91 - 12.00% | 2.91 - 12.00% | 2.91 - 12.00% | 2.99 - 11.47% | N/A | N/A | N/A | N/A |
| USC CREDIT UNION | Student Loan Refinance (variable) [Refinance] | 3.74 - 3.99% | 3.74 - 3.99% | 3.74 - 3.99% | 3.82% | N/A | N/A | N/A | N/A |
| CLEARVIEW FEDERAL CREDIT UNION | Variable Rates (variable) [Refinance] | 3.75 - 10.25% | 3.75 - 10.25% | 3.75 - 10.25% | N/A | N/A | N/A | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | N/A | N/A | N/A | N/A | N/A | N/A |
| CAPITAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98%▼ 41 bps | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98%▼ 41 bps | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98%▼ 41 bps | 4.39% | N/A | N/A | N/A | N/A | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98%▼ 41 bps | 4.39% | 4.39% | N/A | N/A | N/A | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98%▼ 41 bps | 4.39% | 4.39% | 4.39% | N/A | N/A | N/A | N/A |
| TOPLINE FINANCIAL CREDIT UNION | Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 4.39% | 4.39% | N/A | N/A | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.19% | 4.19% | N/A | N/A | N/A | N/A | N/A | N/A |
| CAPITAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.19% | 4.19% | N/A | N/A | N/A | N/A | N/A | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.19% | 4.19% | N/A | N/A | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.19% | 4.19% | N/A | N/A | N/A | N/A | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.19% | 4.19% | 4.14% | N/A | N/A | N/A | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.19%▲ 5 bps | 4.14% | 4.14% | 4.14% | N/A | N/A | N/A | N/A |
| TOPLINE FINANCIAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.19% | 4.19% | 4.14% | 4.14% | N/A | N/A | N/A | N/A |
| CLEARVIEW FEDERAL CREDIT UNION | Fixed Rates (fixed) [Refinance] | 5.49 - 12.00% | 5.49 - 12.00% | 5.49 - 12.00% | 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 July 22, 2026, AMERICA'S CHRISTIAN Credit Union’s refinance loan rates remain steady, with fixed APRs holding at 2.89% to 12.00%, unchanged from one and two weeks ago, and slightly lower than the 30-day high of 2.97%. Variable rates also stayed flat at 2.91% to 12.00% over the past two weeks but dipped from 2.99% a month ago. The lowest fixed rate of 2.89% offers a competitive option for borrowers seeking stability. Consider refinancing if your current rate exceeds 8%, as these consistent low starting points can reduce interest costs effectively. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
USC CREDIT UNION
As of July 22, 2026, USC's Student Loan Refinance variable rates remain steady between 3.74% and 3.99%, unchanged over the past 15 days and slightly lower than 30 days ago at 3.82%. This consistency highlights USC’s competitive positioning in refinance options for students and parents seeking to reduce interest costs. Borrowers with current loans above 4% may find refinancing advantageous to lower monthly payments and overall interest. Given the stable rates, consider refinancing if potential savings outweigh associated fees, ensuring a clear benefit from switching to USC’s refinance program.
CLEARVIEW FEDERAL CREDIT UNION
CLEARVIEW’s refinance student loan rates remain steady this week, with variable rates holding at 3.75% to 10.25% and fixed rates stable between 5.49% and 12.00%. There has been no change over the past 30 days, highlighting consistent pricing in both product types. The most competitive option continues to be the variable refinance loan, offering the lowest starting APR at 3.75%. Borrowers with current loans above 8% should consider refinancing to potentially reduce interest costs over time. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of July 22, 2026, 1ST ADVANTAGE’s refinance student loan rates remain steady with the Fixed Rate at 3.98% and the Variable Rate at 4.19%, unchanged over the past week. These competitive rates offer borrowers a solid opportunity to reduce interest costs compared to typical federal or private loans. If your current loan rate exceeds 8%, consider refinancing to lower your payments and total interest paid. Stable rates suggest a consistent market environment, making now a practical time to evaluate refinancing options. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of July 22, 2026, CAPITAL’s refinance student loan fixed rates have decreased notably from 4.39% last week to a competitive 3.98%, marking a significant improvement for borrowers. The variable rate remains steady at 4.19%, showing no change over the past week. For those with current loans above 8%, refinancing into CAPITAL’s fixed rate at under 4% could offer meaningful savings** and more predictable payments. Borrowers should assess their current rates against these offers and consider refinancing if the potential interest savings outweigh any fees or costs involved. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of July 22, 2026, COMMONWEALTH’s refinance student loan rates show a notable improvement in fixed rates, dropping from 4.39% a week ago to 3.98%, reflecting a significant 41 basis points decrease. Variable rates remain steady at 4.19%, unchanged over the past week. The fixed-rate refinance product offers the most competitive APR today, making it an attractive option for borrowers seeking predictable payments. Consider refinancing if your current loan rate exceeds these levels and potential savings outweigh any refinancing fees. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of July 22, 2026, CYPRUS's Fixed Student Loan Refinance rate decreased notably from 4.39% a week ago to 3.98%, marking a 41 bps drop. The Variable Student Loan Refinance rate remains steady at 4.19%, unchanged over the past week. The fixed refinance product offers the lowest APR and recent improvement, making it the most competitive option today. Borrowers with current rates above 8% should consider refinancing now to reduce interest costs effectively. For more details, visit https://partner.lendkey.com/cypruscu/refinance,
FRANKLIN MINT FEDERAL CREDIT UNION
As of July 22, 2026, FRANKLIN MINT’s refinance student loan rates show a notable decrease in fixed rates from 4.39% fifteen days ago to a competitive 3.98% today. Variable rates remain steady at 4.19%, unchanged over the past week and slightly up from 4.14% fifteen days ago. The fixed rate refinance product offers the lowest APR, making it an attractive option for borrowers seeking predictable payments. Consider refinancing if your current rate exceeds 8%, as these rates provide meaningful savings potential. For more details, visit https://partner.lendkey.com/fmfcu/refinance,
MAINSTREET FEDERAL CREDIT UNION
As of July 22, 2026, MAINSTREET's fixed refinance student loan rate dropped significantly to 3.98%, down 41 basis points from one week ago and steady compared to 30 days prior. Meanwhile, the variable refinance rate rose slightly to 4.19%, up 5 basis points over the past week but unchanged over the last month. The fixed-rate product remains the most competitive option, offering borrowers predictable payments at a lower APR. Consider refinancing if your current loan rate exceeds 8%, as MAINSTREET’s fixed rates present meaningful savings potential. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of July 22, 2026, TOPLINE FINANCIAL’s refinance fixed rates remain steady at 3.98%, down from 4.39% thirty days ago, marking a significant improvement for borrowers seeking stability. The variable refinance rate holds at 4.19%, unchanged over the past week but slightly higher than 4.14% seen 30 days ago. The fixed-rate option offers the most competitive APR, reflecting a notable decline of 41 basis points over the past month. Borrowers with current student loan rates above 8% should consider refinancing to capture these lower fixed rates and reduce long-term interest costs. For more details, visit https://partner.lendkey.com/topline/refinance.
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 fluctuations this month, now is an ideal time for borrowers to consider locking in a rate, especially if you value predictability with fixed-rate loans starting under 4%. Even minor APR shifts can translate into significant savings over the life of your loan. Variable-rate programs remain attractive for those comfortable with some fluctuation but want access to potentially lower initial payments. Parents and graduates should review their eligibility carefully and act on offers that align with their financial goals. To maximize benefits, it’s wise to gather personalized quotes soon and explore refinancing options while competitive rates are available. Taking these proactive steps can pave the way for manageable repayment plans and long-term financial peace of mind. Don’t wait, start comparing your best options today!