Introduction
As of August 28, 2026, students and parents searching for affordable student loan options have some standout choices to consider. For those looking for the lowest fixed undergraduate rates, credit unions like Hawaii State and Truity offer an attractive starting APR as low as 1.94%, making these programs highly competitive for undergraduates seeking stability. Meanwhile, if you prefer flexibility, variable rates begin at a reasonable 3.75% through institutions such as Achieva and Affinity Credit Unions, covering a wide range of programs from medical to career training loans. Graduate and professional degree borrowers also benefit from solid fixed-rate options starting around 1.95% at several credit unions including Affinity and American Heritage, ensuring manageable financing for advanced studies. Notably, the medical residency and bar exam loans hold steady with fixed rates beginning near 6.33% and 7.01%, respectively. With most credit unions showing minimal rate fluctuations over the past month, today’s market presents stable opportunities for borrowers prioritizing predictability or potential savings through variable rates.
New - Student Loans
| Lender | Product | 2026-08-28 Current | 2026-08-21 7 Days Ago | 2026-08-13 15 Days Ago | 2026-07-29 30 Days Ago | 2026-07-14 45 Days Ago | 2026-06-29 60 Days Ago | 2026-05-30 90 Days Ago | 2026-03-01 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| HAWAII STATE FEDERAL CREDIT UNIONLOWEST | Fixed Rate (fixed) | 1.94 - 17.99% | 1.94 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| TRUITY FEDERAL CREDIT UNIONLOWEST | Undergraduate Student Loans – Fixed Rate (fixed) | 1.94 - 17.99% | N/A | 1.97 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97%▼ 14 bps | 2.09 - 14.97% | 2.09 - 14.97% | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98%▼ 14 bps | 2.09 - 14.98% | 2.09 - 14.98% | 2.29 - 14.98% | 2.29 - 14.98% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49%▼ 4 bps | 1.99 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64%▼ 4 bps | 1.99 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97%▼ 14 bps | 2.09 - 14.97% | 2.09 - 14.97% | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98%▼ 14 bps | 2.09 - 14.98% | 2.09 - 14.98% | 2.19 - 14.98% | 2.29 - 14.98% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49%▼ 4 bps | 1.99 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64%▼ 4 bps | 1.99 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | 2.39 - 17.64% | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | N/A | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97%▼ 14 bps | 2.09 - 14.97% | 2.09 - 14.97% | N/A | 2.29 - 14.97% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98%▼ 14 bps | 2.09 - 14.98% | 2.09 - 14.98% | N/A | 2.29 - 14.98% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | N/A | 2.29 - 14.99% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49%▼ 4 bps | 1.99 - 17.49% | 1.99 - 17.49% | N/A | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64%▼ 4 bps | 1.99 - 17.64% | 1.99 - 17.64% | N/A | 2.39 - 17.64% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 2.09 - 14.97% | 2.29 - 14.97% | 2.29 - 14.97% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 2.09 - 14.98% | 2.19 - 14.98% | 2.29 - 14.98% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | 2.39 - 17.64% | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | N/A | N/A | N/A | 2.89 - 14.97% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | N/A | N/A | N/A | 2.89 - 14.98% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | N/A | N/A | N/A | 2.89 - 14.99% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | N/A | N/A | N/A | 2.89 - 17.64% | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97% | 1.95 - 14.97% | 2.09 - 14.97% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98% | 1.95 - 14.98% | 2.09 - 14.98% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99% | 1.95 - 14.99% | 2.09 - 14.99% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49% | 1.95 - 17.49% | 2.09 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64% | 1.95 - 17.64% | 2.09 - 17.64% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Medical school loan (fixed) | 1.95 - 14.97% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Dental school loan (fixed) | 1.95 - 14.98% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | MBA loan (fixed) | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Health professions loan (fixed) | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Law school loan (fixed) | 1.95 - 14.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Graduate school loan (fixed) | 1.95 - 14.99%▼ 14 bps | 2.09 - 14.99% | 2.09 - 14.99% | 2.29 - 14.99% | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Undergraduate student loan (fixed) | 1.95 - 17.49%▼ 4 bps | 1.99 - 17.49% | 1.99 - 17.49% | 2.19 - 17.49% | 2.39 - 17.49% | 2.89 - 17.49% | N/A | N/A |
| ATOMIC CREDIT UNION | Career training loan (fixed) | 1.95 - 17.64%▼ 4 bps | 1.99 - 17.64% | 1.99 - 17.64% | 2.19 - 17.64% | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Medical school loan (variable) | 3.62 - 14.33% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental school loan (variable) | 3.62 - 14.34% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | MBA loan (variable) | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 13.27% | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Health professions loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Law school loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Graduate school loan (variable) | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 3.62 - 16.83% | 3.62 - 16.83% | N/A | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Career training loan (variable) | 3.62 - 17.03% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Medical school loan (variable) | 3.62 - 14.33% | 3.62 - 14.33% | N/A | N/A | N/A | 3.62 - 13.22% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Dental school loan (variable) | 3.62 - 14.34% | 3.62 - 14.34% | N/A | N/A | N/A | 3.62 - 13.22% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | MBA loan (variable) | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 13.27% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Health professions loan (variable) | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 14.35% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Law school loan (variable) | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 14.35% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Graduate school loan (variable) | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | 3.62 - 14.35% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 3.62 - 16.83% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Career training loan (variable) | 3.62 - 17.03% | 3.62 - 17.03% | N/A | N/A | N/A | 3.62 - 16.51% | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical school loan (variable) | 3.75 - 14.46%▲ 13 bps | 3.62 - 14.33% | 3.62 - 14.33% | 3.75 - 13.34% | 3.75 - 13.34% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.34% | 3.62 - 14.34% | 3.75 - 13.35% | 3.75 - 13.35% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Law school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.47% | 3.75 - 14.47% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | MBA loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Health professions loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Graduate school loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | 3.75 - 14.48% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Undergraduate student loan (variable) | 3.75 - 16.95%▲ 13 bps | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.75 - 16.95% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Career training loan (variable) | 3.75 - 17.14%▲ 13 bps | 3.62 - 17.03% | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Medical school loan (variable) | 3.75 - 14.46%▲ 13 bps | 3.62 - 14.33% | 3.62 - 14.33% | 3.62 - 14.33% | 3.75 - 13.34% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Dental school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.34% | 3.62 - 14.34% | 3.62 - 14.34% | 3.75 - 13.35% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Law school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.47% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | MBA loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Health professions loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Graduate school loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 3.75 - 16.95%▲ 13 bps | 3.62 - 16.83% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Career training loan (variable) | 3.75 - 17.14%▲ 13 bps | 3.62 - 17.03% | 3.62 - 17.03% | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical school loan (variable) | 3.75 - 14.46%▲ 13 bps | 3.62 - 14.33% | 3.62 - 14.33% | N/A | 3.75 - 13.34% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.34% | 3.62 - 14.34% | N/A | 3.75 - 13.35% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Law school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | 3.75 - 14.47% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | MBA loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | 3.75 - 14.48% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Health professions loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | 3.75 - 14.48% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Graduate school loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | 3.75 - 14.48% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 3.75 - 16.95%▲ 13 bps | 3.62 - 16.83% | 3.62 - 16.83% | N/A | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Career training loan (variable) | 3.75 - 17.14%▲ 13 bps | 3.62 - 17.03% | 3.62 - 17.03% | N/A | 3.75 - 17.14% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Medical school loan (variable) | 3.75 - 14.46%▲ 13 bps | 3.62 - 14.33% | 3.62 - 14.33% | 3.62 - 14.33% | 3.75 - 13.34% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Dental school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.34% | 3.62 - 14.34% | 3.62 - 14.34% | 3.75 - 13.35% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Law school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.47% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | MBA loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Health professions loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Graduate school loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | 3.75 - 14.48% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Undergraduate student loan (variable) | 3.75 - 16.95%▲ 13 bps | 3.62 - 16.83% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Career training loan (variable) | 3.75 - 17.14%▲ 13 bps | 3.62 - 17.03% | 3.62 - 17.03% | 3.62 - 17.03% | 3.75 - 17.14% | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Medical school loan (variable) | 3.75 - 14.46%▲ 13 bps | 3.62 - 14.33% | 3.62 - 14.33% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Dental school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.34% | 3.62 - 14.34% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Law school loan (variable) | 3.75 - 14.47%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | MBA loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Health professions loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Graduate school loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Undergraduate student loan (variable) | 3.75 - 16.95%▲ 13 bps | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Career training loan (variable) | 3.75 - 17.14%▲ 13 bps | 3.62 - 17.03% | 3.62 - 17.03% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Medical school loan (variable) | 3.75 - 14.46% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Dental school loan (variable) | 3.75 - 14.47% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Law school loan (variable) | 3.75 - 14.47% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | MBA loan (variable) | 3.75 - 14.48% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Health professions loan (variable) | 3.75 - 14.48% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Graduate school loan (variable) | 3.75 - 14.48%▲ 13 bps | 3.62 - 14.35% | 3.62 - 14.35% | 3.62 - 14.35% | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Undergraduate student loan (variable) | 3.75 - 16.95%▲ 13 bps | 3.62 - 16.83% | 3.62 - 16.83% | 3.62 - 16.83% | 3.75 - 16.95% | 3.62 - 16.25% | N/A | N/A |
| ATOMIC CREDIT UNION | Career training loan (variable) | 3.75 - 17.14%▲ 13 bps | 3.62 - 17.03% | 3.62 - 17.03% | 3.62 - 17.03% | N/A | N/A | N/A | N/A |
| HAWAII STATE FEDERAL CREDIT UNION | Variable Rate (variable) | 3.89 - 17.99% | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| TRUITY FEDERAL CREDIT UNION | Undergraduate Student Loans – Variable Rate (variable) | 3.89 - 17.99% | N/A | 3.89 - 17.99% | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.21 - 11.48% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.21 - 11.48% | 6.21 - 11.48% | N/A | N/A | N/A | 6.21 - 11.48% | 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% | 6.33 - 11.59% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Medical residency loan (variable) | 6.33 - 11.59%▲ 12 bps | 6.21 - 11.48% | 6.21 - 11.48% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.33 - 11.59%▲ 12 bps | 6.21 - 11.48% | 6.21 - 11.48% | 6.21 - 11.48% | 6.33 - 11.59% | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | 6.33 - 11.59% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.33 - 11.59%▲ 12 bps | 6.21 - 11.48% | 6.21 - 11.48% | N/A | 6.33 - 11.59% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Medical residency loan (variable) | 6.33 - 11.59%▲ 12 bps | 6.21 - 11.48% | 6.21 - 11.48% | 6.21 - 11.48% | 6.33 - 11.59% | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A | 6.33 - 11.59% | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | 6.33 - 11.59% | 6.33 - 11.59% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Medical residency loan (variable) | 6.33 - 11.59%▲ 12 bps | 6.21 - 11.48% | 6.21 - 11.48% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Medical residency loan (fixed) | 6.33 - 11.59% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Medical residency loan (variable) | 6.33 - 11.59% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.38 - 12.28% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.38 - 16.00% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.38 - 12.28% | 6.38 - 12.28% | N/A | N/A | N/A | 6.38 - 12.28% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.38 - 16.00% | 6.38 - 16.00% | N/A | N/A | N/A | 6.38 - 16.00% | 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% | 6.50 - 12.40% | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Dental residency loan (variable) | 6.50 - 12.40%▲ 12 bps | 6.38 - 12.28% | 6.38 - 12.28% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.50 - 12.40%▲ 12 bps | 6.38 - 12.28% | 6.38 - 12.28% | 6.38 - 12.28% | 6.50 - 12.40% | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | 6.50 - 12.40% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.50 - 12.40%▲ 12 bps | 6.38 - 12.28% | 6.38 - 12.28% | N/A | 6.50 - 12.40% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Dental residency loan (variable) | 6.50 - 12.40%▲ 12 bps | 6.38 - 12.28% | 6.38 - 12.28% | 6.38 - 12.28% | 6.50 - 12.40% | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A | 6.50 - 12.40% | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | 6.50 - 12.40% | 6.50 - 12.40% | N/A | N/A | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Dental residency loan (variable) | 6.50 - 12.40%▲ 12 bps | 6.38 - 12.28% | 6.38 - 12.28% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Dental residency loan (fixed) | 6.50 - 12.40% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Dental residency loan (variable) | 6.50 - 12.40% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ACHIEVA CREDIT UNION | Bar exam loan (variable) | 6.51 - 16.12%▲ 13 bps | 6.38 - 16.00% | 6.38 - 16.00% | 6.51 - 16.12% | 6.51 - 16.12% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.51 - 16.12%▲ 13 bps | 6.38 - 16.00% | 6.38 - 16.00% | 6.38 - 16.00% | 6.51 - 16.12% | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.51 - 16.12%▲ 13 bps | 6.38 - 16.00% | 6.38 - 16.00% | N/A | 6.51 - 16.12% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Bar exam loan (variable) | 6.51 - 16.12%▲ 13 bps | 6.38 - 16.00% | 6.38 - 16.00% | 6.38 - 16.00% | 6.51 - 16.12% | N/A | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Bar exam loan (variable) | 6.51 - 16.12%▲ 13 bps | 6.38 - 16.00% | 6.38 - 16.00% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Bar exam loan (variable) | 6.51 - 16.12% | N/A | N/A | N/A | N/A | 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% | 7.01 - 15.26% | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A |
| ALLSOUTH FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| ALTAONE FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | 7.01 - 15.26% | N/A | N/A | N/A |
| AMERICAN HERITAGE FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | 7.01 - 15.26% | N/A | N/A |
| ATLANTA POSTAL CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 7.01 - 15.26% | 7.01 - 15.26% | N/A | N/A | N/A | N/A | N/A |
| ATOMIC CREDIT UNION | Bar exam loan (fixed) | 7.01 - 15.26% | 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.
HAWAII STATE FEDERAL CREDIT UNION
As of August 28, 2026, HAWAII STATE's new student loan rates remain steady with no change over the past 7 days. The Fixed Rate loans offer a competitive range from 1.94% to 17.99% APR, making them an attractive choice for borrowers seeking predictable payments. Meanwhile, the Variable Rate loans range from 3.89% to 17.99% APR, also unchanged recently but potentially subject to market fluctuations. Given these stable rates, students and parents should evaluate their financial situation carefully; consider fixed rates for budget certainty and variable rates if you anticipate rate declines. Borrowers with current loans above 8% APR might explore refinancing options for potential savings.For more details, visit https://www.collegeave.com/lp/undergrad-student-loans/?utm_campaign=bank%20partner%20referral_casl&utm_source=hawaiistatefcu&utm_medium=partner&utm_content=hawaiistatefcu&brand=college%20ave&product=inschool&goal=acquisition.
TRUITY FEDERAL CREDIT UNION
As of August 28, 2026, TRUITY’s new undergraduate student loan rates remain steady with fixed APRs ranging from 1.94% to 17.99%, showing a slight improvement from 15 days ago when the low end was 1.97%. Variable rates hold firm at 3.89% to 17.99%, unchanged over the past two weeks. The lowest fixed rate of 1.94% offers a competitive option for borrowers seeking predictability in payments, while variable rates may benefit those expecting rates to stay stable or decline. Borrowers with current rates above 8% should evaluate these options carefully; refinancing could yield savings if costs align. For more details, visit https://www.collegeave.com/lp/undergrad-student-loans/.
ACHIEVA CREDIT UNION
As of August 28, 2026, ACHIEVA CREDIT UNION’s fixed student loan rates for professional programs like medical, dental, MBA, health professions, law, and graduate school have improved notably, dropping from around 2.29% to a current low of 1.95% on the low end over 30 days. Similarly, undergraduate and career training fixed loans saw modest decreases in base APRs to 1.95% today from 2.19-2.29% last month. Variable rates also edged slightly higher today compared to one week ago but remain competitive with lows near 3.75% for most programs.Medical residency fixed rates remain steady at 6.33%, while bar exam loan rates hold firm around 7.01%-6.51%, indicating stable borrowing costs in specialized areas.For borrowers seeking the most favorable terms, fixed-rate loans under 2% APR offer strong predictability; variable loans carry slightly higher starting rates but may suit those anticipating rate declines.Consider refinancing if your current loan APR exceeds 8%, as ACHIEVA’s new products offer significantly lower entry points that can reduce long-term costs.For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000226&dtd_cell=SMLRSOPACUCUCMOTAKM1096N010000
AFFINITY FEDERAL CREDIT UNION
As of August 28, 2026, AFFINITY’s new student loan rates show modest decreases across most fixed and variable products compared to 7 and 30 days ago. Notably, fixed medical, dental, MBA, health professions, law, and graduate school loans all decreased from around 2.09% to a low of 1.95% APR, maintaining competitive entry rates. Variable loans similarly dipped by approximately 13 bps to 3.75% APR for professional programs. Undergraduate fixed loans rose slightly from 1.99% to 1.95% APR, but remain below prior month levels. Residency and bar exam loans held steady with minor variable rate declines under 15 bps.Borrowers seeking the lowest fixed rates should consider AFFINITY’s professional school loans at 1.95% APR today. For those comfortable with rate variability, variable options offer slightly better entry points but carry more risk over time. Evaluate current loan terms carefully; refinancing may be beneficial if your rate exceeds 8%, given today’s competitive offers.For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000004&dtd_cell=SMLRSOPACUCURCOTAFV0986N010000.
ALLSOUTH FEDERAL CREDIT UNION
As of August 28, 2026, ALLSOUTH’s new student loan rates remain stable across most products. Notably, undergraduate fixed rates hold at 1.95% to 17.49%, unchanged from last week but up slightly from 2.19% thirty days ago, indicating a modest increase of approximately 24 bps on the low end. Professional loans such as medical, dental, MBA, and law school fixed loans maintain competitive floors at 1.95% APR, offering strong options for advanced degrees. Variable rates are consistent with minor month-over-month declines in some undergraduate variable loans compared to 30 days ago. Borrowers with rates above 8% should evaluate these competitive fixed offerings to potentially reduce long-term costs. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000350&dtd_cell=SMLRSOPACUCUCMOTANW1183N030000.
ALTAONE FEDERAL CREDIT UNION
ALTAONE’s new student loan rates show slight decreases in variable APRs over the past week, with undergraduate variable loans dropping from 3.62% to 3.75% today and fixed rates holding steady at a low 1.95% minimum across most programs. Professional school loans, including medical, dental, and law, maintain competitive fixed rates starting at 1.95%, while residency loans remain stable around 6.33% to 6.50%. Borrowers seeking long-term stability may benefit from fixed-rate options under 2%, whereas variable rates could offer short-term savings but warrant close monitoring. Consider refinancing if your current rate exceeds 8% to optimize repayment costs. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000163&dtd_cell=SMLRSOPACUCUCMOTAJC1060N010000.
AMERICAN HERITAGE FEDERAL CREDIT UNION
As of August 28, 2026, AMERICAN HERITAGE student loan rates show modest declines in fixed APRs over the past 30 days. Notably, Medical, Dental, MBA, Health Professions, Law, and Graduate school fixed loans decreased from around 2.29% to 1.95% on the low end. Undergraduate and Career Training fixed rates also dropped by approximately 24 bps, now starting at 1.95% but retain higher maximum APRs near 17.5% to 17.6%. Variable rates increased slightly today versus last week but remain below previous month levels; for example, variable Undergrad loans rose from 3.62% to 3.75%. The most competitive fixed options are professional school loans with lows near 1.95% APR. Borrowers with current rates above 8% should evaluate new offers or refinancing opportunities if potential savings exceed associated costs.For more details, visit https://www.salliemae.com/landing/student-loans/?RefID=1987000001&CoBrandingID=001143&dtd_cell=SMLRSOPTRPSSN010297
APPLE FEDERAL CREDIT UNION
As of August 28, 2026, APPLE's fixed medical, dental, MBA, health professions, law, and graduate school loans maintain steady rates ranging from 1.95% to 14.99%, offering some of the lowest starting APRs among new student loans. Notably, the undergraduate fixed loan rate increased slightly over 30 days from 2.19% to 1.95% today, reflecting a modest improvement in borrower terms. Variable-rate options remain stable with ranges like 3.62% to 14.35% for professional programs and up to 17.03% for career training loans. For borrowers with rates above 8%, exploring refinancing could yield meaningful savings given these competitive benchmarks. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000159&dtd_cell=SMLRSOPACUCUCMOTAIL1043N010000.
ATLANTA POSTAL CREDIT UNION
As of August 28, 2026, ATLANTA POSTAL’s new fixed-rate student loans remain steady with Undergraduate fixed rates at 1.95% to 17.49%, unchanged over the past week but down from 2.19% thirty days ago, reflecting a modest improvement. Variable-rate options saw slight increases; for example, Undergraduate variable loans rose from 3.62% to 3.75% in the last week. The most competitive fixed rates are in professional programs like Medical, Dental, and MBA loans starting at 1.95% APR. Borrowers with rates above 8% should evaluate these offerings for potential savings. Consider refinancing if the rate reduction justifies associated fees. For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000010&dtd_cell=SMLRSOPACUCURCOTAIB1033N010000.
ATOMIC CREDIT UNION
As of August 28, 2026, ATOMIC’s new fixed-rate student loans for medical, dental, MBA, health professions, and law schools offer a highly competitive starting APR of 1.95%, consistent across these programs. Notably, the undergraduate fixed loan rate decreased from 2.19% to 1.95% over 30 days, marking a significant improvement for borrowers. Variable rates also saw a modest increase, with undergraduate variable loans rising from 3.62% to 3.75% in the same period. For graduate students, fixed rates have declined steadily from 2.29% to 1.95%, providing attractive financing options.Borrowers should consider locking in fixed rates now if current rates exceed 8%, especially for longer-term commitments. Variable loans may suit those expecting rate declines but carry more risk.For more details, visit https://www.salliemae.com/landing/student-loans/?MPID=3000000363&dtd_cell=SMLRSOPACUCURCOTAOH1194N030000.
LendMesh
From cosigner-friendly lenders to flexible payment plans, LendMesh helps you find a student loan that fits your unique needs. No noise, no pressure—just the clarity you deserve. Get started today at https://www.lendmesh.com/loans/student_loans .
Customers Also Interested In
Conclusion
Looking ahead, students and parents should carefully assess their appetite for risk versus the security of locking in a fixed rate, especially since even slight APR shifts can impact total repayment costs over time. Those pursuing undergraduate degrees might consider locking in the current low fixed rates around 1.94% while they last, as these provide budget certainty amid future market changes. Graduate students and professionals may find value in exploring both fixed and variable options tailored to their program needs. Importantly, small weekly or monthly changes, like Achieva’s recent drop from 2.09% to 1.95% on medical school loans, highlight that timing your application could yield savings. For families weighing options, starting conversations now with credit union lenders about eligibility and terms is a smart move toward securing the best possible financing before potential rate adjustments later this fall. Staying informed and proactive will ensure you seize opportunities that align with your educational goals and financial comfort zone.