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 December 14, 2018
30 year fixed 4.500% 4.784% 1.750%
4.625% 4.848% 1.050%
4.750% 4.921% 0.450%
20 Year Fixed 4.375% 4.733% 1.500%
4.500% 4.768% 0.750%
4.625% 4.822% 0.150%
15 year fixed 4.000% 4.429% 1.350%
4.125% 4.479% 0.850%
4.500% 4.742% 0.100%
10 Year Fixed 4.000% 4.631% 1.400%
4.250% 4.684% 0.500%

*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.