Introduction
As of September 16, 2026, students and parents looking to refinance student loans have some standout options to consider. The lowest fixed rates are impressively competitive, with America’s Christian Credit Union offering fixed refinance loans starting as low as 2.89% APR, making it a top choice for borrowers seeking stability in their payments. For those open to variable rates, America’s Christian also leads the pack with rates beginning at 2.91% APR. Other credit unions like USC and Clearview provide solid variable rate programs ranging from 3.74% to 10.25% APR, catering to different risk tolerances and financial goals. Notably, several credit unions such as 1st Advantage, Capital, Commonwealth, Cyprus, Financial Partners, Franklin Mint, and Mainstreet maintain steady fixed refinance rates around 3.98% APR and variable rates near 4.20% APR, showing consistent pricing across the board with no significant changes over the past month. Whether you’re a recent graduate or a parent exploring refinancing options, today’s data highlights some of the most attractive rates available right now.
Refinance - Student Loans
| Lender | Product | 2026-09-16 Current | 2026-09-09 7 Days Ago | 2026-09-01 15 Days Ago | 2026-08-17 30 Days Ago | 2026-08-02 45 Days Ago | 2026-07-18 60 Days Ago | 2026-06-18 90 Days Ago | 2026-03-20 180 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% | 2.89 - 12.00% | 2.97 - 11.47% | 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% | 2.91 - 12.00% | 2.99 - 11.47% | N/A |
| USC CREDIT UNION | Student Loan Refinance (variable) [Refinance] | 3.74 - 3.99% | 3.74 - 3.99% | 3.74 - 3.99% | N/A | 3.74 - 3.99% | 3.74 - 3.99% | 3.82% | 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% | 3.75 - 10.25% | 3.75 - 10.25% | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 4.39% | N/A |
| CAPITAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | N/A | 4.39% | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | N/A | N/A |
| FINANCIAL PARTNERS CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | N/A | N/A | 4.39% | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 4.39% | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Fixed Rate (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 4.39% | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | 4.19% | 4.14% | N/A |
| CAPITAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | N/A | 4.14% | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | 4.19% | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | 4.19% | N/A | N/A |
| FINANCIAL PARTNERS CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | N/A | N/A | 4.14% | N/A |
| FRANKLIN MINT FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | 4.19% | N/A | N/A |
| MAINSTREET FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | 4.19% | 4.14% | 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% | 5.49 - 12.00% | 5.49 - 12.00% | 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 September 16, 2026, AMERICA'S CHRISTIAN maintains stable refinance student loan rates, with no changes over the past 30 days. The Private Refinance Loan (fixed) offers a competitive APR range of 2.89% to 12.00%, matching last month’s levels. Similarly, the Private Refinance Loan (variable) holds steady between 2.91% and 12.00%. These consistent rates provide reliable options for borrowers looking to lower their current interest costs. Consider refinancing if your existing loan rate exceeds 8%, as these fixed and variable options can offer meaningful savings. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
USC CREDIT UNION
As of September 16, 2026, USC’s Student Loan Refinance (variable) rates remain steady at 3.74% to 3.99%, unchanged over the past 30 days. This consistency reflects a stable borrowing environment for those seeking to refinance their student loans. With these competitive rates, borrowers currently paying above 8% could significantly reduce their interest expenses by refinancing now. Maintaining a variable rate within this range offers flexibility and potential savings compared to higher fixed-rate loans. Consider refinancing if your current rate exceeds 8%, and evaluate if the long-term savings justify any refinancing costs.
CLEARVIEW FEDERAL CREDIT UNION
As of September 16, 2026, CLEARVIEW’s refinance student loan rates remain steady with no changes over the past 30 days. The variable APRs range from 3.75% to 10.25%, offering some of the most competitive entry points for borrowers seeking flexibility. Fixed rates hold between 5.49% and 12.00%, providing predictability for those prioritizing stable payments. If your current student loan rate exceeds 8%, consider refinancing with CLEARVIEW to potentially reduce interest costs while maintaining transparent terms. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of September 16, 2026, 1ST ADVANTAGE maintains steady refinance rates with the Fixed Rate loan holding at 3.98% APR over the past 30 days and the Variable Rate loan slightly rising to 4.20% APR from 4.17% fifteen days ago. The fixed rate remains the most competitive option for borrowers seeking stability, while variable rates show a minor upward trend. Borrowers with current loans above 8% APR should consider refinancing to potentially lower their interest costs, especially if they prefer predictable payments. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of September 16, 2026, CAPITAL’s Fixed Student Loan Refinance rate remains steady at 3.98% APR over the past 30 days, offering a consistent option for borrowers seeking predictable payments. The Variable Student Loan Refinance rate holds at 4.20% APR, slightly up from 4.17% fifteen and thirty days ago, reflecting minimal movement. For borrowers with current rates above 8%, refinancing with CAPITAL’s fixed rate at under 4% could substantially reduce interest costs. Consider refinancing if your current loan terms exceed these competitive rates to maximize long-term savings. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
As of September 16, 2026, COMMONWEALTH’s refinance student loan rates remain steady. The fixed-rate refinance loans hold at 3.98% APR, unchanged over the past 30 days. Meanwhile, the variable-rate refinance loans are at 4.20% APR, up slightly from 4.17% fifteen and thirty days ago. The stable fixed rates offer a competitive option for borrowers seeking predictability, while variable rates show a minor uptick but remain attractive. Consider refinancing if your current loan rate exceeds 8%, especially to lock in these low fixed rates. For more details, visit https://partner.lendkey.com/ccuky/refinance.
CYPRUS FEDERAL CREDIT UNION
As of September 16, 2026, CYPRUS's Fixed Student Loan Refinance rate remains steady at 3.98%, unchanged over the past 30 days. The Variable Student Loan Refinance rate holds at 4.20%, up slightly from 4.17% fifteen and thirty days ago. The fixed option offers the lowest and most stable APR, making it a competitive choice for borrowers seeking predictability. Those with current loans above 8% should consider refinancing to secure these lower rates, especially if stable payments are a priority. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
FINANCIAL PARTNERS CREDIT UNION
As of September 16, 2026, FINANCIAL PARTNERS’ refinance student loan rates remain steady. The fixed-rate refinance option holds at 3.98% APR, unchanged over the past 30 days. Meanwhile, the variable-rate refinance stands at 4.20% APR, slightly up from 4.17% fifteen and thirty days ago. The fixed-rate product offers the most competitive and stable pricing for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds 8%, as these options may reduce your interest costs significantly over time. For more details, visit https://partner.lendkey.com/fpcu/refinance.
FRANKLIN MINT FEDERAL CREDIT UNION
As of September 16, 2026, FRANKLIN MINT’s Refinance Student Loans , Fixed Rate remains steady at 3.98% APR, showing no change over the past 30 days. The Variable Rate option holds at 4.20% APR, up slightly from 4.17% fifteen and thirty days ago. The fixed-rate product offers the most competitive and stable option for borrowers seeking predictable payments. Consider refinancing if your current student loan rate exceeds 8%, as these rates provide a significant reduction potential. For more details, visit https://partner.lendkey.com/fmfcu/refinance.
MAINSTREET FEDERAL CREDIT UNION
As of September 16, 2026, MAINSTREET’s Refinance Student Loans , Fixed Rate remains steady at 3.98% APR, showing no change over the past 30 days. The Variable Rate option holds at 4.20% APR, slightly up from 4.17% fifteen and thirty days ago. The fixed-rate product offers the most competitive and stable borrowing cost for refinancing. Borrowers with current loans above 8% APR may benefit from refinancing to these lower rates, especially favoring fixed options for predictable payments. Consider refinancing if potential savings outweigh any associated fees. For more details, visit https://partner.lendkey.com/mainstreetcu/refinance.
LendMesh
From freshmen to PhDs, everyone deserves a loan they can trust. LendMesh lets you compare real-time student loan rates and terms from lenders that care about student success. Whether you're applying solo or with a cosigner, visit https://www.lendmesh.com/loans/student_loans and explore your options.
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Conclusion
With interest rates holding steady this month, now is an excellent time for students and parents to consider locking in a low fixed rate if predictability matters most in your budget planning. Even small APR differences, like the gap between America’s Christian Credit Union’s sub-3% fixed rates versus other offers hovering near 4%, can translate into meaningful savings over time. Variable-rate borrowers should weigh the potential for future fluctuations but can benefit from currently low starting points. If you’re planning to refinance soon, gathering personalized quotes and comparing terms will help ensure you secure the best fit for your financial situation. Remember, refinancing isn’t just about chasing the lowest number, it’s about choosing a program that aligns with your repayment timeline and financial goals. Stay informed and act on these favorable conditions while they last; locking your rate today could protect you against market shifts tomorrow.