Introduction
As of August 7, 2026, college students and parents exploring student loan options can find several standout offers from credit unions worth considering. Today’s lowest fixed rates for undergraduate loans are as low as 4.12% APR at First Horizon Credit Union, offering a competitive edge for those seeking predictable monthly payments. Graduate students will appreciate the variable rate option at Summit Federal Credit Union, starting at a notably low 3.85% APR, which could save money if rates remain stable or drop. Parents looking to support their students have an excellent fixed-rate Parent PLUS loan option at Pioneer Community Credit Union, currently at 5.25% APR, the most affordable in this category today. Notably, the Graduate loan rates saw a modest increase of 0.10% APR over the past week, while Parent PLUS loans remained steady, making now a smart time to compare and lock in your preferred rate. Whether you’re financing undergrad studies or graduate programs, these competitive credit union offerings provide flexible solutions tailored to different borrower needs.
New - Student Loans
| Lender | Product | 2026-08-07 Current | 2026-07-31 7 Days Ago | 2026-07-23 15 Days Ago | 2026-07-08 30 Days Ago | 2026-06-23 45 Days Ago | 2026-06-08 60 Days Ago | 2026-05-09 90 Days Ago | 2026-02-08 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| —LOWEST | Private Student Loans (fixed) | 1.19 - 12.99%▼ 100 bps | 2.19 - 17.99% | 2.19 - 17.99% | 2.39 - 17.99% | 2.49 - 17.99% | N/A | N/A | N/A |
| —LOWEST | Graduate Loans (fixed) | 1.19 - 12.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| —LOWEST | Graduate Loans (fixed) | 1.19 - 12.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| —LOWEST | Graduate Loans (fixed) | 1.19 - 12.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.09 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (fixed) | 2.09 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Private Student Loans (variable) | 2.09 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Private Student Loans (variable) | 2.09 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Private Student Loans (variable) | 2.09 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| CAPITAL | Fixed Student Loan (fixed) | 2.09% | 2.09% | 2.64% | 2.64% | N/A | N/A | N/A | N/A |
| COMMONWEALTH | Private Student Loans – Fixed Rate (fixed) | 2.09%▼ 55 bps | 2.64% | 2.64% | 2.64% | 2.64% | N/A | N/A | N/A |
| CYPRUS | Private Student Loans – Fixed Rate (fixed) | 2.09%▼ 55 bps | 2.64% | 2.64% | 2.64% | N/A | N/A | N/A | N/A |
| GREAT LAKES | Private Student Loans – Fixed Rate (fixed) | 2.09%▼ 55 bps | 2.64% | 2.64% | 2.64% | N/A | N/A | N/A | N/A |
| MAINSTREET | Fixed Student Loan (fixed) | 2.09%▼ 55 bps | 2.64% | 2.64% | N/A | N/A | N/A | N/A | N/A |
| SHARON & CRESCENT UNITED | Private Student Loans – Fixed Rate (fixed) | 2.09%▼ 55 bps | 2.64% | 2.64% | N/A | N/A | N/A | N/A | N/A |
| TOPLINE FINANCIAL | Fixed Rate (fixed) | 2.09%▼ 55 bps | 2.64% | 2.64% | 2.64% | N/A | N/A | N/A | 2.87% |
| ACHIEVA CREDIT UNION | Medical school loan (fixed) | 2.09 - 14.97%▼ 20 bps | 2.29 - 14.97% | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (fixed) | 2.09 - 14.98%▼ 20 bps | 2.29 - 14.98% | 2.29 - 14.98% | 2.29 - 14.98% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (fixed) | 2.09 - 14.99%▼ 20 bps | 2.29 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (fixed) | 2.09 - 14.99%▼ 20 bps | 2.29 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (fixed) | 2.09 - 14.99%▼ 20 bps | 2.29 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (fixed) | 2.09 - 14.99%▼ 20 bps | 2.29 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (fixed) | 2.09 - 17.49%▼ 10 bps | 2.19 - 17.49% | 2.39 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Career training loan (fixed) | 2.09 - 17.64%▼ 10 bps | 2.19 - 17.64% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Medical school loan (fixed) | 2.09 - 14.97% | N/A | N/A | N/A | 2.89 - 14.97% | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (fixed) | 2.09 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (fixed) | 2.09 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (fixed) | 2.09 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (fixed) | 2.09 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| ALLSOUTH | Graduate school loan (fixed) | 2.09 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (fixed) | 2.09 - 17.49%▼ 10 bps | 2.19 - 17.49% | 2.39 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A | N/A |
| ALLSOUTH | Career training loan (fixed) | 2.09 - 17.64% | N/A | N/A | N/A | 2.89 - 17.64% | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Graduate Loans (variable) | 2.39 - 15.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| CAPITAL | Variable Student Loan (variable) | 3.48% | 3.48% | 3.48% | 3.48% | N/A | N/A | N/A | N/A |
| COMMONWEALTH | Private Student Loans – Variable Rate (variable) | 3.48% | 3.48% | 3.48% | 3.48% | 3.43% | N/A | N/A | N/A |
| CYPRUS | Private Student Loans – Variable Rate (variable) | 3.48% | 3.48% | 3.48% | 3.48% | N/A | N/A | N/A | N/A |
| GREAT LAKES | Private Student Loans – Variable Rate (variable) | 3.48% | 3.48% | 3.48% | 3.48% | N/A | N/A | N/A | N/A |
| MAINSTREET | Variable Student Loan (variable) | 3.48% | 3.48% | 3.48% | N/A | N/A | N/A | N/A | N/A |
| SHARON & CRESCENT UNITED | Private Student Loans – Variable Rate (variable) | 3.48% | 3.48% | 3.48% | N/A | N/A | N/A | N/A | N/A |
| TOPLINE FINANCIAL | Variable Rate (variable) | 3.48% | 3.48% | 3.48% | 3.48% | N/A | N/A | N/A | 3.80% |
| ACHIEVA CREDIT UNION | Medical school loan (variable) | 3.62 - 14.33%▼ 13 bps | 3.75 - 13.34% | 3.75 - 13.34% | 3.75 - 13.34% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (variable) | 3.62 - 14.34%▼ 13 bps | 3.75 - 13.35% | 3.75 - 13.35% | 3.75 - 13.35% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (variable) | 3.62 - 14.35%▼ 13 bps | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (variable) | 3.62 - 14.35%▼ 13 bps | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (variable) | 3.62 - 14.35%▼ 13 bps | 3.75 - 14.47% | 3.75 - 14.47% | 3.75 - 14.47% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (variable) | 3.62 - 14.35%▼ 13 bps | 3.75 - 14.48% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (variable) | 3.62 - 16.83%▼ 13 bps | 3.75 - 16.95% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Career training loan (variable) | 3.62 - 17.03%▼ 13 bps | 3.75 - 17.14% | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH | Medical school loan (variable) | 3.62 - 14.33% | N/A | N/A | N/A | 3.62 - 13.22% | N/A | N/A | N/A |
| ALLSOUTH | Dental school loan (variable) | 3.62 - 14.34% | N/A | N/A | N/A | 3.62 - 13.22% | N/A | N/A | N/A |
| ALLSOUTH | MBA loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 13.27% | N/A | N/A | N/A |
| ALLSOUTH | Health professions loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 14.35% | N/A | N/A | N/A |
| ALLSOUTH | Law school loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 14.35% | N/A | N/A | N/A |
| ALLSOUTH | Graduate school loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 14.35% | N/A | N/A | N/A |
| ALLSOUTH | Undergraduate student loan (variable) | 3.62 - 16.83%▼ 13 bps | 3.75 - 16.95% | N/A | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A | N/A |
| ALLSOUTH | Career training loan (variable) | 3.62 - 17.03% | N/A | N/A | N/A | 3.62 - 16.51% | N/A | N/A | N/A |
| — | Graduate Loans (fixed) | 3.99 - 12.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| — | Private Student Loans (fixed) | 3.99 - 14.96%▲ 180 bps | 2.19 - 17.99% | 2.19 - 17.99% | 2.39 - 17.99% | 2.49 - 17.99% | N/A | N/A | N/A |
| — | Private Student Loans (fixed) | 3.99 - 14.96%▲ 160 bps | 2.39 - 17.99% | 2.39 - 17.99% | 3.99 - 14.96% | 2.49 - 17.99% | N/A | N/A | N/A |
| — | Graduate Loans (fixed) | 3.99 - 14.96% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical residency loan (variable) | 6.21 - 11.48%▼ 12 bps | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Medical residency loan (variable) | 6.21 - 11.48% | N/A | N/A | N/A | 6.21 - 11.48% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Medical residency loan (fixed) | 6.33 - 11.59% | N/A | N/A | N/A | 6.33 - 11.59% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental residency loan (variable) | 6.38 - 12.28%▼ 12 bps | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Bar exam loan (variable) | 6.38 - 16.00%▼ 13 bps | 6.51 - 16.12% | 6.51 - 16.12% | 6.51 - 16.12% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Dental residency loan (variable) | 6.38 - 12.28% | N/A | N/A | N/A | 6.38 - 12.28% | N/A | N/A | N/A |
| ALLSOUTH | Bar exam loan (variable) | 6.38 - 16.00% | N/A | N/A | N/A | 6.38 - 16.00% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Dental residency loan (fixed) | 6.50 - 12.40% | N/A | N/A | N/A | 6.50 - 12.40% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A |
| ALLSOUTH | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | 7.01 - 15.26% | 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.
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Conclusion
With interest rates showing slight fluctuations this week, now is an ideal moment for students and parents to evaluate whether locking in a fixed rate suits their financial plans, especially for those who prefer payment stability amid uncertain market conditions. Even small APR changes can impact total repayment costs significantly over time, so staying informed helps avoid surprises down the road. Parents should pay close attention to Parent PLUS loan offers like those from Pioneer Community Credit Union before any potential rate increases take effect. Students with variable-rate loans should monitor market trends closely but also consider fixed options if they seek predictability during their academic journey. To move forward confidently, review your credit union’s latest rates today, gather personalized loan quotes, and consider consulting a financial advisor to align borrowing choices with your long-term goals. Taking proactive steps now ensures you secure the best possible financing path for your education dreams.