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 November 23, 2020
30 year fixed 2.625% 2.820% 1.000
2.750% 2.910% 0.550
2.875% 2.985% -0.10
20 Year Fixed 2.625% 2.869% 0.700
2.750% 2.967% 0.450
2.875% 3.020% -0.20
15 year fixed 2.375% 2.683% 0.650
2.500% 2.751% 0.250
2.625% 2.833% -0.05
10 Year Fixed 2.250% 2.743% 0.850
2.375% 2.784% 0.450
2.500% 2.835% 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.

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.