Introduction
As of July 29, 2026, students and parents seeking student loan refinancing options have several competitive choices to consider. For those prioritizing the lowest fixed rates, Navigant Credit Union’s College Ave program leads with an impressive 2.74% APR, offering a broad range that suits many borrowers looking to refinance. Variable rate enthusiasts can explore America’s Christian Credit Union, where their private refinance loans start as low as 2.91% APR and remain steady compared to last month. Notably, multiple credit unions including Merrimack Valley and Clearview maintain stable rates with fixed options hovering between 3.75% and 5.49%, providing solid alternatives for risk-averse borrowers. If you prefer variable terms, USC offers a narrow spread from 3.74% to 3.99% APR, which has remained unchanged over the past month, ideal for borrowers comfortable with some rate fluctuation but seeking predictability. Whether you’re a graduate looking to consolidate debt or a parent refinancing education costs, today’s snapshot highlights affordable, flexible refinance programs designed to fit diverse financial needs.
Refinance - Student Loans
| Lender | Product | 2026-07-29 Current | 2026-07-22 7 Days Ago | 2026-07-14 15 Days Ago | 2026-06-29 30 Days Ago | 2026-06-14 45 Days Ago | 2026-05-30 60 Days Ago | 2026-04-30 90 Days Ago | 2026-01-30 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| NAVIGANT CREDIT UNIONLOWEST | College Ave – Fixed Rate (fixed) [Refinance] | 2.74 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| NAVIGANT CREDIT UNION | Sallie – Fixed Rate (fixed) [Refinance] | 2.89 - 17.49% | N/A | 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 (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 |
| NAVIGANT CREDIT UNION | Citizens – Fixed Rate (fixed) [Refinance] | 3.24 - 13.38% | N/A | N/A | N/A | 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 - 3.99% | N/A | N/A | N/A | N/A |
| MERRIMACK VALLEY CREDIT UNION | Fixed Rates (fixed) [Refinance] | 3.75 - 8.75% | N/A | N/A | 3.75 - 8.75% | 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% | 3.75 - 10.25% | 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 | Fixed Student Loan (fixed) [Refinance] | 3.98% | N/A | N/A | 4.39% | N/A | N/A | N/A | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 4.39% | N/A | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98% | 3.98% | 4.39% | N/A | N/A | N/A | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – 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 | Variable Student Loan (variable) [Refinance] | 4.19% | N/A | N/A | 4.14% | N/A | N/A | N/A | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.19% | 4.19% | 4.19% | N/A | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.19% | 4.19% | 4.19% | 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% | 4.19% | 4.14% | N/A | N/A | N/A | N/A |
| MERRIMACK VALLEY CREDIT UNION | Variable Rates (variable) [Refinance] | 5.25 - 10.75% | N/A | N/A | 5.25 - 10.75% | 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% | 5.49 - 12.00% | N/A | N/A | N/A | N/A |
| NAVIGANT CREDIT UNION | RISLA – Fixed Rate (fixed) [Refinance] | 5.99 - 8.74% | 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.
NAVIGANT CREDIT UNION
As of July 29, 2026, NAVIGANT’s refinance student loan rates offer competitive fixed options. The College Ave Fixed Rate leads with the lowest starting APR at 2.74%, followed closely by Sallie Fixed Rate at 2.89%. Citizens Fixed Rate ranges from 3.24% to 13.38%, while RISLA Fixed Rate spans 5.99% to 8.74%. Since no prior data is available, no trend changes are noted; however, borrowers with current rates above 8% should consider refinancing to potentially reduce interest costs. For more details, visit https://www.risla.com/refi-student-loans-navigant.
AMERICA'S CHRISTIAN CREDIT UNION
As of July 29, 2026, AMERICA'S CHRISTIAN Credit Union’s private refinance student loan rates remain stable. Both the fixed and variable refinance loans hold steady at 2.89% - 12.00% and 2.91% - 12.00% APR, respectively, unchanged from one week and two weeks ago. Compared to 30 days prior, fixed rates have slightly decreased on the low end from 2.97% to 2.89%, indicating a modest improvement for borrowers with strong credit profiles. The variable rate shows a similar trend, dropping from 2.99% to 2.91% at the low end over the past month. Borrowers with current rates above 8% should consider refinancing to secure these competitive offers, especially given the minimal rate volatility this month. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
USC CREDIT UNION
As of July 29, 2026, USC’s Student Loan Refinance (variable) rates remain steady between 3.74% and 3.99%, unchanged from one and two weeks ago. Compared to 30 days ago, the lower end of the range has decreased slightly from 3.82%, reflecting a modest improvement for borrowers seeking refinancing options. This product offers some of the most competitive variable refinance rates currently available. Borrowers with existing student loans above 8% APR should consider refinancing now to potentially lower their interest costs, provided the savings outweigh any fees involved.
MERRIMACK VALLEY CREDIT UNION
As of July 29, 2026, MERRIMACK VALLEY's refinance student loan rates remain steady, with fixed rates holding at 3.75% to 8.75% and variable rates at 5.25% to 10.75%, unchanged from 30 days ago. The fixed-rate refinance product offers the most competitive low-end APR at 3.75%, making it a strong option for borrowers seeking predictable payments. Since no recent rate changes occurred, consider refinancing if your current loan APR exceeds 8%, as this could lower your interest costs without timing risk. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
CLEARVIEW FEDERAL CREDIT UNION
As of July 29, 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. There have been no rate changes during this period, indicating a stable borrowing environment for refinancing. The lowest variable APR at 3.75% offers a competitive option for borrowers seeking flexibility. Consider refinancing if your current student loan rate exceeds 8%, as CLEARVIEW’s consistent rates may reduce your interest expenses without added volatility. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of July 29, 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 APRs provide an attractive option for borrowers looking to lower their interest costs without rate fluctuations. Given the stability and relatively low fixed rate, consider refinancing if your current loan rate exceeds 8%, potentially reducing your monthly payments and total interest paid. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of July 29, 2026, CAPITAL’s Fixed Student Loan Refinance rate dropped from 4.39% to a competitive 3.98% over the past 30 days, offering a strong option for borrowers seeking stability. Meanwhile, the Variable Student Loan Refinance rate edged slightly higher to 4.19%, up 5 bps from 30 days ago, reflecting modest market shifts. Fixed refinance loans present the lowest APR today, ideal for those prioritizing predictable payments. Borrowers with current rates above 8% should consider refinancing now to potentially reduce their interest burden. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of July 29, 2026, COMMONWEALTH’s refinance student loan rates remain steady with the fixed rate at 3.98% and the variable rate at 4.19%, unchanged from one week ago. The fixed rate has notably decreased from 4.39% fifteen days ago, reflecting a significant improvement for borrowers seeking predictable payments. The variable rate holds steady over the past month, offering consistent but slightly higher costs than fixed options. Borrowers with current rates above 8% should consider refinancing now to secure these competitive fixed or variable APRs. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of July 29, 2026, CYPRUS Fixed Student Loan refinance rates remain steady at 3.98%, improving from 4.39% fifteen days ago. The Variable Student Loan refinance rate holds firm at 4.19% with no recent changes. These stable, competitive rates offer borrowers a strong opportunity to lower their debt costs. Consider refinancing if your current rate exceeds 8%, as CYPRUS’s fixed option provides substantial savings potential. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of July 29, 2026, FRANKLIN MINT’s Refinance Student Loans , Fixed Rate remains competitively low at 3.98%, down from 4.39% just 30 days ago, reflecting a significant 41 bps decrease. The Variable Rate option holds steady at 4.19%, unchanged over the past week but slightly up by 5 bps compared to a month ago. Borrowers with rates above 8% should consider refinancing to take advantage of these lower fixed rates, which offer predictable payments and potential savings. Evaluate your current loan terms against today’s rates before deciding. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
LendMesh
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Conclusion
With rates showing minimal movement this week, now is an excellent time for borrowers to evaluate locking in a fixed APR if you value payment stability over potential market dips. Even small changes, like America’s Christian Credit Union’s slight monthly dip in fixed rates from 2.97% to 2.89%, can translate into meaningful savings over the life of a loan. Parents and graduates should weigh whether fixed or variable terms better align with their risk tolerance and financial goals; fixed rates offer peace of mind amid economic uncertainty, while variable rates may benefit those expecting shorter repayment horizons or future refinancing opportunities. Act promptly by comparing your current loan terms against these competitive offers and consider pre-approval steps now before rates potentially rise later this year. Staying informed and proactive will help families maximize savings and confidently navigate student loan refinancing decisions ahead.