Mortgage Refinance Rates

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We support your dreams of homeownership

If you're exploring a refinance, we have the mortgage rates that can make your money go further.


10/1 , 7/1 , and 5/1 ARMs AVAILABLE

Maximum Amount at these rates: $548,250*

**See rate adjustment information below
Loan Type Rates APR Points
Rates effective as of 8:00 AM September 21, 2022
30 year fixed 6.125% 6.332% 1.150
6.250% 6.425% 0.850
6.375% 6.528% 0.350
20 Year Fixed 5.875% 6.152% 1.200
6.000% 6.242% 0.900
6.125% 6.331% 0.600
15 year fixed 5.625% 5.949% 1.100
5.750% 6.029% 0.800
5.875% 6.117% 0.500
10 Year Fixed 5.625% 6.085% 1.100
5.750% 6.157% 0.800
5.875% 6.217% 0.550

*Jumbo/Portfolio, 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.