Making Homeownership More Accessible
Sacramento Credit Union partners with trusted organizations such as the Federal Home Loan Bank of San Francisco (FHLB) to provide downpayment assistance programs.
4-to-1 matching grants with the WISH Program1
The Workforce Initiative Subsidy for Homeownership (WISH) Program can help aspiring homeowners come up with sufficient funds for downpayment and closing costs. WISH Program provides 4-to-1 matching grants up to the annual maximum amount set by the Federal Housing Finance Agency, currently $32,837, to support eligible low-income homebuyers.
Not sure if you qualify? Talk with us!
Speak with a Mortgage Loan Consultant or begin your application for free.
Your credit won’t be affected unless you authorize it.
Ahnalee Andaya
Mortgage Loan Consultant
NMLS # 1846466
Mobile: (916) 508-7992
Email: aandaya@sactocu.org
Kellie Luong
Mortgage Loan Consultant
NMLS # 1027581
Mobile: (916) 897-0909
Email: kluong@sactocu.org
All SCU Home Loans Offer:
Fast Processing
We work quickly so you can focus on finding the perfect home.
Competitive Rates
Lower rates mean more savings — and more room in your budget for what matters most.
Excellent Service
Our commitment to excellent service means we’re here when you need us most.
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Mortgage Rates
Sacramento Credit Union always offers highly competitive Mortgage rates for purchase and refinance.
First-Time Homebuyer? Start here.
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Rates effective as of May 29, 2026.
Mortgage Purchase Rates
Fixed Rate Mortgages
| Loan Type | Rates2 | APR1 | Points |
|---|---|---|---|
| 30-YEAR FIXED | 6.125% | 6.335% | 1.00 |
| 6.250% | 6.413% | 0.50 | |
| 20-YEAR FIXED | 5.875% | 6.151% | 1.00 |
| 6.000% | 6.214% | 0.50 | |
| 15-YEAR FIXED | 5.500% | 5.844% | 1.00 |
| 5.625% | 5.891% | 0.50 |
Rates effective as of May 29, 2026.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. 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. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.
Adjustable Rate Mortgages3
| Loan Type | Rates2 | APR1 | Points |
|---|---|---|---|
| 5/1 ARM | 5.625 | 5.735 | 0.0 |
| Payment Examples > | |||
| 7/1 ARM | 5.750 | 5.861 | 0.0 |
| Payment Examples > | |||
| 10/1 ARM | 6.000% | 6.113% | 0.0 |
| Payment Examples > | |||
Rates effective as of May 29, 2026.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. 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.
³The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
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.
Rates effective as of May 29, 2026.
Mortgage Refinance Rates
Fixed Rate Refinance
| Loan Type | Rates | APR1 | Points |
|---|---|---|---|
| 30-YEAR FIXED | 6.125% | 6.335% | 1.00 |
| 6.250% | 6.413% | 0.50 | |
| 6.375% | 6.491% | 0.00 | |
| 20-YEAR FIXED | 5.875% | 6.151% | 1.00 |
| 6.000% | 6.214% | 0.50 | |
| 6.125% | 6.276% | 0.00 | |
| 15-YEAR FIXED | 5.500% | 5.844% | 1.00 |
| 6.625% | 5.891% | 0.50 | |
| 5.750% | 5.938% | 0.00 |
Rates effective as of May 29, 2026.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. 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. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.
Adjustable Rate Refinance3
| Loan Type | Rates2 | APR1 | Points |
|---|---|---|---|
| 5/1 ARM | 5.625 | 5.735 | 0.0 |
| Payment Examples > | |||
| 7/1 ARM | 5.750 | 5.861 | 0.0 |
| Payment Examples > | |||
| 10/1 ARM | 6.000% | 6.113% | 0.0 |
| Payment Examples > | |||
Rates effective as of May 29, 2026.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. 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.
³
1. The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown.
2. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate.
3. Floor rate is the start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
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.
Mortgage Contact Form
¹
NMLS # 402645. Limited time offer that is subject to change and/or terminate at any time. The Workforce Initiative Subsidy for Homeownership (WISH) is a first-time homebuyer program that provides a one-time 4:1 matching grant to assist with down payment and closing costs.
For example, a homebuyer who contributes $8,000 may qualify for a $32,000 grant. The maximum grant amount in 2026 is $32,837.
The maximum eligible loan amount is $806,500. The buyer’s contribution may come from household savings and/or gift funds. Funds from other grants, credits, or concessions related to the transaction do not count toward the buyer’s required contribution.
To be eligible, the buyer must meet the Federal Home Loan Bank (FHLB) of San Francisco's definition of a first-time homebuyer and have a household income at or below 80% of the HUD area median income, based on the county where applicant currently resides and adjusted for household size. The home must be used as a primary residence, and the buyer must complete an approved homebuyer education course. The grant may be forgiven after five years of continuous occupancy
Income limits vary by county. Sacramento Credit Union serves El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, and Yuba counties. Please contact us for income limits specific to your county.