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.


Maximum Amount at these rates: $647,200*

**See rate adjustment information below
Loan Type Rates APR Points
Rates effective as of 8:00 AM May 20, 2022
30 year fixed 4.875% 5.062% 1.000
5.000% 5.150% 0.550
20 Year Fixed 4.625% 4.855% 0.800
4.750% 4.922% 0.300
15 year fixed 4.125% 4.436% 1.050
4.250% 4.488% 0.600
10 Year Fixed 3.875% 4.298% 1.050
4.125% 4.456% 0.600

*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 $647,200) 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.