Mortgage Refinance Rates

Apply Now

We support your dreams of homeownership

If you're 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 July 30, 2021
30 year fixed 2.750% 2.908% 1.100
2.875% 2.988% 0.500
3.000% 3.078% 0.050
20 Year Fixed 2.625% 2.811% 0.750
2.750% 2.882% 0.300
2.875% 2.959% -0.20
15 year fixed 2.125% 2.405% 1.050
2.250% 2.468% 0.600
2.375% 2.538% 0.200
10 Year Fixed 2.000% 2.431% 1.150
2.125% 2.455% 0.650
2.250% 2.478% 0.150

*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.