Introduction
As of September 30, 2026, students, parents, and graduates exploring student loan refinancing have several strong options to consider. For those seeking the lowest fixed refinance rates, NAVIGANT Credit Union leads with programs starting as low as 2.74% APR through College Ave’s fixed refinance option. Variable rate seekers can find competitive offers too, with America's Christian Credit Union maintaining steady variable rates beginning at 2.91% APR. Parents looking to refinance will find Lake Trust Credit Union’s parent loan refinance fixed rates starting at a reasonable 4.00% APR, while their variable options begin at 4.50% APR. Notably, many credit unions like USC and Merrimack Valley hold stable rates this month, providing reliable choices without sudden spikes. Whether you’re a student aiming to lower monthly payments or a parent managing education costs, today’s best programs offer a blend of flexibility and affordability, perfect for planning your financial future confidently.
Refinance - Student Loans
| Lender | Product | 2026-09-30 Current | 2026-09-23 7 Days Ago | 2026-09-15 15 Days Ago | 2026-08-31 30 Days Ago | 2026-08-16 45 Days Ago | 2026-08-01 60 Days Ago | 2026-07-02 90 Days Ago | 2026-04-03 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| NAVIGANT CREDIT UNIONLOWEST | College Ave (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) [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% | 2.89 - 12.00% | 2.89 - 12.00% | 2.89 - 12.00% | 2.89 - 12.00% | 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% | 2.91 - 12.00% | N/A |
| NAVIGANT CREDIT UNION | RISLA (fixed) [Refinance] | 2.99 - 8.77% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| NAVIGANT CREDIT UNION | Citizens (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% | 3.74 - 3.99% | 3.74 - 3.99% | 3.74 - 3.99% | 3.74 - 3.99% | 3.74 - 3.99% | 3.82 - 3.99% | N/A |
| MERRIMACK VALLEY CREDIT UNION | Student Loan Refinance Fixed Rate (fixed) [Refinance] | 3.75 - 8.75% | N/A | N/A | N/A | 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% | 3.75 - 10.25% | 3.75 - 10.25% | 3.75 - 10.25% | N/A |
| LAKE TRUST CREDIT UNION | Nursing Loan Refinance Fixed Rates (fixed) [Refinance] | 3.90 - 11.50% | N/A | N/A | 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% | 3.98% | 3.98% | N/A | N/A |
| CAPITAL CREDIT UNION | Fixed Student Loan (fixed) [Refinance] | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 3.98% | 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% | N/A | 3.98% | 3.98% | 3.98% | N/A | N/A |
| USC CREDIT UNION | Student Loan Refinance (fixed) [Refinance] | 3.99% | 3.99% | 3.99% | N/A | 3.99% | N/A | 3.99% | N/A |
| LAKE TRUST CREDIT UNION | Student Loan Refinance Fixed Rates (fixed) [Refinance] | 4.00 - 10.75% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Parent Loan Refinance Fixed Rates (fixed) [Refinance] | 4.00 - 10.75% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | N/A | N/A |
| CAPITAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.20% | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | 4.14% | N/A |
| COMMONWEALTH FEDERAL CREDIT UNION | Refinance Student Loans – Variable Rate (variable) [Refinance] | 4.20% | 4.20% | 4.20% | 4.17% | 4.17% | 4.19% | N/A | N/A |
| CYPRUS FEDERAL CREDIT UNION | Variable Student Loan (variable) [Refinance] | 4.20% | 4.20% | N/A | 4.17% | 4.17% | 4.19% | N/A | N/A |
| LAKE TRUST CREDIT UNION | Student Loan Refinance Variable Rates (variable) [Refinance] | 4.50 - 11.90% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAKE TRUST CREDIT UNION | Parent Loan Refinance Variable Rates (variable) [Refinance] | 4.50 - 11.90% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| MERRIMACK VALLEY CREDIT UNION | Student Loan Refinance Variable Rate (variable) [Refinance] | 5.25 - 10.75% | N/A | N/A | N/A | 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% | 5.49 - 12.00% | 5.49 - 12.00% | 5.49 - 12.00% | 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 September 30, 2026, NAVIGANT’s refinance student loan rates show competitive options with College Ave fixed rates ranging from 2.74% to 17.99% and Sallie fixed rates between 2.89% and 17.49%. The lowest APR is offered by RISLA at 2.99% to 8.77%, making it the most affordable for borrowers seeking lower maximum rates. Meanwhile, Citizens’ fixed refinance rates span 3.24% to 13.38%. Since no historical rate changes are available yet, borrowers should focus on current spreads; consider refinancing if your existing rate exceeds 8%, as NAVIGANT’s offerings provide attractive low-end APRs for creditworthy applicants. For more details, visit https://www.risla.com/refi-student-loans-navigant.
AMERICA'S CHRISTIAN CREDIT UNION
As of September 30, 2026, AMERICA'S CHRISTIAN credit union’s refinance student loan rates remain stable with no changes over the past 30 days. The Private Refinance Loan fixed rate holds steady between 2.89% and 12.00% APR, while the variable rate ranges from 2.91% to 12.00% APR. These competitive rates offer borrowers flexible options based on credit profile and loan type. Consider refinancing if your current student loan rate exceeds 8%, as these products provide significant potential savings without recent rate increases. For more details, visit https://planning.colleging.com/lender/americas-christian-credit-union.
USC CREDIT UNION
As of September 30, 2026, USC’s Student Loan Refinance variable rate remains steady at 3.74%, holding its position from the past month without any upward or downward movement. Meanwhile, the fixed refinance option is priced at 3.99%, unchanged from a week and two weeks ago but newly available after not being offered 30 days prior. The consistently low variable APR makes it the most competitive choice for borrowers seeking flexibility and savings. Consider refinancing if your current loan rate exceeds 8%, as these rates offer significant potential savings compared to typical federal or private student loans.
MERRIMACK VALLEY CREDIT UNION
As of September 30, 2026, MERRIMACK VALLEY’s Student Loan Refinance Fixed Rates range from 3.75% to 8.75%, with variable rates between 5.25% and 10.75%. Since no prior data is available for comparison, rate trends cannot be established at this time. The fixed-rate option offers the most competitive starting APR at 3.75%, making it a strong choice for borrowers seeking stability. Consider refinancing if your current loan rate exceeds 8%, as these products may lower your monthly payments and overall interest costs. For more details, visit https://brightbridge.studentchoice.org/student-loan-refinance/#Rates,
CLEARVIEW FEDERAL CREDIT UNION
CLEARVIEW’s refinance student loan rates remain steady this month, with variable rates holding at 3.75% to 10.25% and fixed rates stable between 5.49% and 12.00% over the past 30 days. The lowest variable rate at 3.75% APR continues to be the most competitive option for borrowers seeking flexibility. If your current loan rate exceeds 8%, it may be beneficial to consider refinancing to secure a lower, more manageable interest rate. For more details, visit https://clearviewfcu.studentchoice.org/student-loan-refinance/.
LAKE TRUST CREDIT UNION
As of September 30, 2026, LAKE TRUST’s refinance student loan rates start as low as 3.90% APR for Nursing Loan Refinance Fixed Rates, making it the most competitive option for healthcare professionals. Other fixed-rate products, including Student and Parent Loan Refinance, range from 4.00% to 10.75% APR. Variable rates are slightly higher, between 4.50% and 11.90% APR for both student and parent loans. Since no prior data is available, rate trends cannot be assessed; however, borrowers with current rates above 8% should evaluate refinancing options here to potentially reduce interest costs. For more details, visit https://laketrust.studentchoice.org/refinance/#rates.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of September 30, 2026, 1ST ADVANTAGE’s refinance student loan rates remain stable. The fixed rate refinance option holds steady at 3.98% APR, showing no change over the past 30 days. The variable rate refinance is slightly up to 4.20% APR, a modest increase of 3 basis points compared to 30 days ago. These competitive rates make refinancing worthwhile, especially if your current loan APR exceeds 8%. Borrowers seeking predictable payments may prefer the fixed option, while those comfortable with slight fluctuations might consider the variable rate. Evaluate potential savings against any refinancing costs before proceeding. For more details, visit https://partner.lendkey.com/1stadvantage/refinance.
CAPITAL CREDIT UNION
As of September 30, 2026, CAPITAL’s refinance student loan rates remain stable. The Fixed Student Loan holds steady at 3.98% APR, unchanged over the past 30 days. The Variable Student Loan is slightly higher at 4.20% APR, up from 4.17% a month ago but unchanged week to week. Fixed rates offer the lowest and most predictable option, ideal for borrowers seeking consistent payments. Consider refinancing if your current rate exceeds these benchmarks, as locking in near-4% could reduce interest costs significantly over time. For more details, visit https://partner.lendkey.com/capitalcu/refinance.
COMMONWEALTH FEDERAL CREDIT UNION
COMMONWEALTH’s refinance student loan rates remain steady this month, with the fixed rate holding firm at 3.98% over the past 30 days and the variable rate slightly up to 4.20% from 4.17% a month ago. The fixed-rate option offers the most competitive and predictable payment structure for borrowers seeking stability. If your current student loan APR exceeds 8%, consider refinancing to potentially reduce your interest costs, especially with these stable, low fixed rates available. For more details, visit https://partner.lendkey.com/ccuky/refinance,
CYPRUS FEDERAL CREDIT UNION
As of September 30, 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% thirty days ago. The fixed option offers the most competitive and stable APR for borrowers seeking predictability. Borrowers with current rates above 8% should consider refinancing to benefit from these lower, consistent rates. Evaluate potential savings carefully against any refinancing costs before proceeding. For more details, visit https://partner.lendkey.com/cypruscu/refinance.
LendMesh
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Conclusion
With interest rates showing minimal movement over the past month, now is an ideal time for borrowers to consider locking in competitive fixed rates, especially if you anticipate rising market rates later this year. Even small shifts in APR, such as the consistent 3.98% fixed rates offered by multiple credit unions, can translate into significant savings over the life of a loan. Students and parents should weigh the benefits of fixed versus variable options carefully; fixed loans provide predictable payments, while variable loans may offer lower initial rates but carry some risk of increase. If you’re refinancing or taking out new loans soon, it’s wise to gather personalized quotes and act swiftly on favorable terms before any potential rate changes occur. Remember, securing a low APR today can ease your financial journey tomorrow, so explore your options thoroughly and reach out to your preferred credit union for tailored advice and next steps.