Mortgage Purchase Rates

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If you're buying a home in California we have the mortgage rates that can make your money go further.


10/1 , 7/1 , and 5/1 ARMs AVAILABLE

Maximum Amount at these rates: $726,200*

**See rate adjustment information below
Loan Type Rates APR Points
Rates effective as of 8:00 AM January 30, 2023
30 year fixed 5.625% 5.798% 0.900
5.875% 5.911% 0.350
20 Year Fixed 5.375% 5.605% 0.900
5.500% 5.671% 0,450
15 year fixed 4.750% 5.051% 1.000
4.875% 5.125% 0.700
10 Year Fixed 5.125% 5.412% 0.900
5.250% 5.589% 0.550

*Jumbo/Portfolio, 7/1 ARM, 5/1 ARM, FHA, VA and Reverse Mortgage Loans AVAILABLE.

More Rates Available - Please contact us for details.

**Rate adjustment information

Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $726,200) are calculated based on a loan amount of $250,000 with closing costs of $2,400. Your actual APR may be different depending upon these factors.

PLEASE NOTE THAT INTEREST RATES MAY CHANGE THROUGHOUT THE DAY. THE RATES ABOVE ARE SCU POSTED RATES AS OF 8 AM EACH MORNING. FOR "UP-TO-THE-MINUTE RATES," PLEASE CALL YOUR MORTGAGE LOAN ORIGINATOR OR SCU MEMBER SERVICES AT (916)444-6070 EXT. 3071.