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 April 16, 2021
30 year fixed 3.000% 3.187% 0.850
3.125% 3.285% 0.500
3.250% 3.350% -0.25
20 Year Fixed 2.750% 3.069% 1.350
2.875% 3.121% 0.700
3.000% 3.185% 0.150
15 year fixed 2.375% 2.720% 0.900
2.500% 2.780% 0.450
2.625% 2.833% -0.05
10 Year Fixed 2.125% 2.670% 1.100
2.250% 2.690% 0.600
2.375% 2.710% 0.100

*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.