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: $548,250*

**See rate adjustment information below
Loan Type Rates APR Points
Rates effective as of 8:00 AM January 25, 2021
30 year fixed 2.750% 2.925% 0.750
2.875% 2.997% 0.050
3.000% 3.071% -0.60
20 Year Fixed 2.500% 2.771% 0.950
2.625% 2.841% 0.450
2.750% 2.933% 0.150
15 year fixed 2.250% 2.586% 0.850
2.375% 2.647% 0.400
2.500% 2.715% 0.000
10 Year Fixed 2.250% 2.743% 0.850
2.375% 2.773% 0.400
2.500% 2.814% 0.000

*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 $548,250) 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.

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.