Introduction
As of August 19, 2026, students and parents exploring student loan refinancing options have several competitive choices to consider. For those seeking the lowest fixed rates, America’s Christian Credit Union stands out with an impressive range starting at 2.89% APR on their Private Refinance Loan, offering both fixed and variable options. Meanwhile, credit unions like Merrimack Valley provide solid fixed refinance rates beginning at 3.75% APR, ideal for borrowers looking for stability over time. Most other credit unions, including 1st Advantage, Capital, Commonwealth, and others, offer consistent fixed rates around 3.98% APR and variable rates near 4.17% APR, unchanged over the past month, making these reliable choices for steady refinancing plans. Whether you're a recent graduate aiming to lower your monthly payments or a parent helping finance education costs, today’s data highlights clear opportunities to secure competitive terms tailored to your financial goals.
Refinance - Student Loans
| Lender | Product | 2026-08-19 Current | 2026-08-12 7 Days Ago | 2026-08-04 15 Days Ago | 2026-07-20 30 Days Ago | 2026-07-05 45 Days Ago | 2026-06-20 60 Days Ago | 2026-05-21 90 Days Ago | 2026-02-20 180 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% | 2.89 - 12.00% | 2.89 - 12.00% | 2.97 - 11.47% | 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% | 2.91 - 12.00% | 2.91 - 12.00% | 2.99 - 11.47% | N/A | N/A |
| MERRIMACK VALLEY CREDIT UNION | Fixed Rates (fixed) [Refinance] | 3.75 - 8.75% | 3.75 - 8.75% | 3.75 - 8.75% | N/A | N/A | N/A | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | N/A | N/A | N/A | N/A |
| CAPITAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | N/A | 4.39% | 4.39% | N/A | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | N/A | N/A | N/A | N/A |
| FINANCIAL PARTNERS CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | N/A | N/A | N/A | 4.39% | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 4.39% | N/A | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 4.39% | 4.39% | N/A | N/A |
| TOPLINE FINANCIAL CREDIT UNION | Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 4.39% | 4.39% | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.17% | 4.17% | 4.19% | 4.19% | N/A | N/A | N/A | N/A |
| CAPITAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.17% | 4.17% | 4.19% | N/A | 4.14% | 4.14% | N/A | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.17% | 4.17% | 4.19% | 4.19% | N/A | N/A | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.17% | 4.17% | 4.19% | 4.19% | N/A | N/A | N/A | N/A |
| FINANCIAL PARTNERS CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.17% | 4.17% | N/A | N/A | N/A | 4.14% | N/A | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.17% | 4.17% | 4.19% | 4.19% | 4.14% | N/A | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.17% | 4.17% | 4.19% | 4.19% | 4.14% | 4.14% | N/A | N/A |
| TOPLINE FINANCIAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.17% | 4.17% | 4.19% | 4.19% | 4.14% | 4.14% | N/A | N/A |
| MERRIMACK VALLEY CREDIT UNION | Variable Rates (variable) [Refinance] | 5.25 - 10.75% | 5.25 - 10.75% | 5.25 - 10.75% | 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 August 19, 2026, AMERICA'S CHRISTIAN maintains steady refinance student loan rates with no changes over the past 30 days. The Private Refinance Loan (fixed) and (variable) both offer competitive APR ranges starting at 2.89% and 2.91%, respectively, up to 12.00%. These fixed and variable options remain among the lowest available for refinancing, providing stable borrowing costs without recent rate fluctuations. Borrowers with current loans above 8% APR should consider refinancing to lock in these lower rates and potentially reduce interest expenses. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
MERRIMACK VALLEY CREDIT UNION
MERRIMACK VALLEY’s refinance student loan rates remain steady this month, with fixed rates holding at 3.75% to 8.75% and variable rates ranging from 5.25% to 10.75% over the past 30 days. The fixed-rate option offers the most competitive floor at 3.75% APR, making it attractive for borrowers seeking predictable payments. Since there has been no rate movement recently, now is a stable time to consider refinancing if your current rate exceeds 8%, potentially lowering your monthly cost without added risk from variable fluctuations. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of August 19, 2026, 1ST ADVANTAGE's fixed refinance student loan rate remains steady at 3.98% APR, unchanged over the past 30 days. Meanwhile, the variable refinance rate holds at 4.17% APR, showing a slight decline from 4.19% fifteen and thirty days ago. The fixed rate offers the most competitive option for borrowers seeking stability, while the variable rate may appeal to those anticipating lower rates ahead. Consider refinancing if your current rate exceeds 8%, as these rates present significant savings opportunities. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of August 19, 2026, CAPITAL’s refinance student loan rates remain stable, with the Fixed Student Loan holding steady at 3.98% APR over the past 30 days. The Variable Student Loan rate is currently 4.17% APR, showing a slight decrease from 4.19% fifteen days ago. These competitive rates provide solid options for borrowers seeking to lower their interest costs. Consider refinancing if your current rate exceeds 8%, as CAPITAL’s fixed rate under 4% could offer substantial savings. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of August 19, 2026, COMMONWEALTH’s Refinance Student Loans , Fixed Rate remains steady at 3.98% APR, showing no change over the past 30 days. The Variable Rate product holds at 4.17% APR, down slightly from 4.19% fifteen and thirty days ago. The fixed-rate option offers the most competitive and stable borrowing cost for refinancing. Borrowers with current rates above 8% should consider refinancing to potentially reduce interest expenses, especially if locking in a fixed rate aligns with their financial goals. For more details, visit https://partner.lendkey.com/ccuky/refinance,
CYPRUS FEDERAL CREDIT UNION
As of August 19, 2026, CYPRUS’s Fixed Student Loan refinance rate remains steady at 3.98% APR, unchanged over the past 30 days, making it the most competitive fixed option available. The Variable Student Loan refinance rate holds at 4.17% APR, showing a slight decrease from 4.19% fifteen and thirty days ago. Borrowers with rates above 8% should consider refinancing to take advantage of these low and stable rates, especially if seeking predictable payments with the fixed loan or potential savings with variable rates. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FINANCIAL PARTNERS CREDIT UNION
As of August 19, 2026, FINANCIAL PARTNERS' refinance student loan rates remain steady, with the fixed rate at 3.98% and the variable rate at 4.17%, unchanged from one week ago. These competitive fixed and variable APRs provide attractive options for borrowers seeking to lower their current rates. Consider refinancing if your existing student loans carry rates above 8%, as these offers could reduce your interest burden significantly. Stability in these rates suggests a favorable environment for refinancing decisions based on long-term savings potential. For more details, visit https://partner.lendkey.com/fpcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of August 19, 2026, FRANKLIN MINT’s refinance student loan fixed rates remain steady at 3.98%, unchanged over the past 30 days. The variable rate holds at 4.17%, showing a slight decline from 4.19% fifteen and thirty days ago. The fixed-rate product offers the most competitive APR, providing predictable payments without recent fluctuations. Borrowers with existing loans above 8% should consider refinancing to secure these lower, stable rates. Assess your potential savings carefully against any refinancing costs before proceeding. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
MAINSTREET’s refinance student loan fixed rates remain steady at 3.98%, showing no change over the past 30 days, making it a consistently competitive option. The variable rate refinance loan holds at 4.17%, down slightly from 4.19% fifteen and thirty days ago. For borrowers with current rates above 8%, refinancing at these lower fixed or variable APRs could reduce monthly payments and total interest costs. Stability in fixed rates offers predictability, while variable rates present a small recent decline, potentially benefiting those comfortable with rate fluctuations. Consider refinancing if potential savings exceed any associated fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
TOPLINE FINANCIAL CREDIT UNION
As of August 19, 2026, TOPLINE FINANCIAL’s refinance student loan rates remain stable. The fixed rate holds steady at 3.98%, unchanged over the past 30 days, making it the most competitive fixed option available. The variable rate is currently 4.17%, down slightly from 4.19% fifteen and thirty days ago, indicating a modest improvement for borrowers seeking flexibility. For those with current loans above 8%, refinancing at these rates could provide meaningful savings. Evaluate your loan terms carefully; consider refinancing if potential interest savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/topline/refinance.
LendMesh
Need help covering the gap between scholarships and tuition? LendMesh helps you fill that space with student loans from trusted lenders, offering flexible repayment and no hidden traps. Visit https://www.lendmesh.com/loans/student_loans and keep your education on track.
Conclusion
With student loan rates holding steady across most programs this month, now is an excellent time for borrowers who prioritize rate certainty to consider locking in fixed APRs before market conditions shift. Even small changes in APR can significantly impact long-term repayment amounts, so staying informed and acting promptly is key, especially if you’re refinancing high-interest debt. Variable rates remain attractive but require careful monitoring as they fluctuate with market trends. For parents and graduates weighing their options, comparing credit union offers side-by-side helps identify programs that align with your repayment timeline and budget flexibility. Keep an eye on exclusive member benefits or rate discounts some credit unions might offer. To maximize savings and confidence in your loan strategy, take advantage of today’s stable rates by starting your application process soon, ensuring you don’t miss out on these favorable terms as the academic year progresses.