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 8:00 AM January 17, 2020
30 year fixed 3.500% 3.713% 1.100
3.625% 3.790% 0.500
3.750% 3.857% -0.20
20 Year Fixed 3.250% 3.540% 1.050
3.375% 3.591% 0.400
3.500% 3.665% -0.05
15 year fixed 2.875% 3.299% 1.400
3.000% 3.328% 0.750
3.125% 3.373% 0.200
10 Year Fixed 2.875% 3.438% 1.150
3.000% 3.413% 0.450

*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.