Mortgage Rates

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


Maximum Amount at these rates: $484,350

Loan Type Rates APR Points
Rates effective as of 8 AM May 23, 2019
30 year fixed 3.875% 4.123% 1.450%
4.000% 4.189% 0.750%
4.250% 4.382% 0.050%
20 Year Fixed 3.750% 4.070% 1.250%
3.875% 4.143% 0.800%
4.000% 4.204% 0.250%
15 year fixed 3.375% 3.797% 1.350%
3.500% 3.848% 0.850%
3.625% 3.876% 0.200%
10 Year Fixed 3.375% 3.965% 1.250%
3.500% 3.993% 0.800%

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

More Rates Available - Please contact us for details.

Rates/Fees are subject to change per Investor Adjustments

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.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $726,525 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $150,000 with closing costs of $3,000. Your actual APR may be different depending upon these factors.

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.