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Home Loan Rates

We offer a wide variety of mortgage options with a wide variety of rates. Click here to visit our Loan Consultant to get the latest rate to match what you need.

Please call 1.888.499.FIRE (3473) and ask for our Real Estate department, or email for other quotes or information.

To learn more about our flat fee, click here.

Current Home Loan Rates

Some restrictions apply, please see Additional Information, below. Rates subject to change at any time without notice.

Footnote Information »

CONFORMING (under $417,000)2 Rate APR1 Points
Fixed Rates
30 Year 4.000% 4.101% 1
30 Year 4.125% 4.143% 0
20 Year 3.750% 3.882% 1
20 Year 3.875% 3.892% 0
15 Year 3.125% 3.288% 1
15 Year 3.250% 3.268% 0
10 Year 2.875% 3.105% 1
10 Year 3.000% 3.021% 0
Adjustable Rates3
10/1 ARM 3.750% 3.771% 0
7/1 ARM 3.250% 3.268% 0
5/1 ARM 2.750% 2.765% 0
3/1 ARM 2.625% 2.639% 0
HIGH BALANCE ($417,001 to $625,500)2 Rate APR1 Points
Fixed Rates
30 Year 4.125% 4.222% 1
30 Year 4.250% 4.264% 0
15 Year 3.375% 3.540% 1
15 Year 3.500% 3.520% 0
10 Year 3.250% 3.484% 1
10 Year 3.375% 3.398% 0
Adjustable Rates3
10/1 ARM 3.750% 3.771% 0
7/1 ARM 3.250% 3.268%
5/1 ARM 2.875% 2.891% 0
3/1 ARM 2.750% 2.765% 0

Additional Information

1 Annual Percentage Rate reflects FICO Score of 740 or higher (also known as credit worthiness—your Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

2 Conforming and High Balance loan limits for certain counties in California have been revised for 2009. Certain restrictions apply.

3 3/1 and 5/1 ARM are loans that are fixed for the first 3 or 5 years and adjusted on an annual basis thereafter. The index used is the 1 year US Treasury Security adjusted to a constant maturity of one year.

ARM Rate Adjustments

  • Investment Property: add 0.50 basis points to Rate
  • FICO Score less than 660: add 0.25 basis points to Rate
  • Loan-to-Value greater than 80%: add 0.25 basis points to Rate

4 Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties. Introductory rate is effective for 6 months. After the introductory period, the rate will adjust quarterly. If you do not keep your credit line open for 2 years, you agree to reimburse $300 in processing costs to the Credit Union. Introductory rate subject to change at any time. The Prime Equity Line of Credit annual percentage rate is based on an index. The index is the highest Prime Rate currently published in the Wall Street Journal, Western Edition, on the 1st day of the month (or the next business day if the 1st is not a business day) prior to the change.

5 A point is equal to 1% of the balance of the loan amount.