Mortgage Refinance Rates

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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 May 20, 2022
30 year fixed 4.875% 5.121% 1.250
5.000% 5.212% 0.800
5.125% 5.270% 0.350
20 Year Fixed 4.625% 4.835% 1.050
4.750% 4.900% 0.550
4.875% 4.965% 0.050
15 year fixed 4.125% 4.380% 1.300
4.250% 4.425% 0.850
4.375% 4.558% 0.400
10 Year Fixed 3.875% 4.458% 1.300
4.000% 4.407% 0.900
4.125% 4.425% 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.

**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.