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: $453,100

Loan Type Rates APR Points
Rates effective as of 8:00 AM October 15, 2018
30 year fixed 4.750% 5.011% 1.450%
4.875% 5.079% 0.800%
5.000% 5.165% 0.350%
20 Year Fixed 4.625% 4.949% 1.200%
4.750% 5.015% 0.700%
4.875% 5.080% 0.200%
15 year fixed 4.125% 4.571% 1.450%
4.375% 4.708% 0.700%
4.500% 4.758% 0.200%
10 Year Fixed 4.125% 4.779% 1.500%
4.250% 4.750% 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 8:00 AM EACH MORNING.  FOR "UP-TO-THE- MINUTE RATES" PLEASE CALL YOUR MORTGAGE LOAN ORIGINATOR OR SCU MEMBER SERVICE AT 916-444-6070 extension 3071.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $453,100 for the contiguous states, District of Columbia, and Puerto Rico or below $679,650 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.