Succeed

SF Fire Credit Union’s low rates and minimal or non-existent fees help our members and community thrive and reach their goals.

Current Rates

Rates subject to change at any time without notice.

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.

Fixed Conforming Home Loan Rates (under $424,100*)

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. Rates do not apply to FHA Products. Please call or email our Real Estate department for other quotes or information.

Conforming and High Balance loan limits for certain counties in California have been revised for 2017. Certain restrictions apply. A point is equal to 1% of the balance of the loan amount

Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties. 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.

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $417,000 conforming mortgage with zero-points and a fixed rate of 4.000%, multiply 417 x $4.77 for an approximate payment amount of $1,989.09 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Type Rate APR Points
30 Year 3.875% 3.990% 1
30 Year 4.000% 4.033% 0
20 Year 3.625% 3.760% 1
20 Year 3.750% 3.772% 0
15 Year 3.125% 3.296% 1
15 Year 3.250% 3.277% 0
10 Year 3.000% 3.248% 1
10 Year 3.125% 3.165% 0

Adjustable Conforming Home Loan Rates (under $424,100*)

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.

Conforming and High Balance loan limits for certain counties in California have been revised for 2017. Certain restrictions apply.

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

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.

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

5/1 ARM (30 Year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be
used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on a $100,000 5/1 ARM (30 Year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:

Years 1 – 5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8 – 30
Rate: 8.50%
Payment Amount: $698.72

Type Rate APR Points
10/1 ARM 3.750% 3.782% 0
7/1 ARM 3.625% 3.714% 0
5/1 ARM 3.125% 3.341% 0
3/1 ARM 2.875% 2.889% 0

Fixed High Balance Home Loan Rates ($424,100 to $636,150*)

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.

Conforming and High Balance loan limits for certain counties in California have been revised for 2017. Certain restrictions apply.

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

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $417,000 conforming mortgage with zero-points and a fixed rate of 4.000%, multiply 417 x $4.77 for an approximate payment amount of $1,989.09 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Type Rate APR Points
30 Year 4.125% 4.219% 1
30 Year 4.250% 4.261% 0
15 Year 3.375% 3.539% 1
15 Year 3.500% 3.519% 0
10 Year 3.250% 3.487% 1
10 Year 3.375% 3.403% 0

Adjustable High Balance Home Loan Rates ($424,100 to $636,150*)

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.

Conforming and High Balance loan limits for certain counties in California have been revised for 2017. Certain restrictions apply.

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

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.

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

5/1 ARM (30 Year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be
used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on a $100,000 5/1 ARM (30 Year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:

Years 1 – 5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8 – 30
Rate: 8.50%
Payment Amount: $698.72

Type Rate APR Points
10/1 ARM 3.750% 3.869% 0
7/1 ARM 3.625% 3.701% 0
5/1 ARM 3.125% 3.309% 0
3/1 ARM 2.875% 2.883% 0

Home Equity Lines of Credit

*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in The Wall Street Journal as of the first business day of the month prior to change plus an as-low-as margin of 0% APR or 4.25% (The Prime Rate as of June 20th, 2017) APR whichever is greater for those account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. The variable rate APR for account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit that are greater than 80% but do not exceed 90% of the value of your 1-4 family owner-occupied primary residential property in CA will be an as-low-as margin of 1% APR or 5.00% APR whichever is greater. Maximum APR is 18.00%. Minimum Home Equity Credit Line is $20,000. All APR Rates will vary based on credit score and Loan to Value (LTV). All APRs assume that your total 1st and 2nd trust deed loans, including your SF Fire Credit Union Home Equity Line of Credit do not exceed 90% of the value of your 1 – 4 family owner-occupied primary residential property in CA. Borrower agrees to reimburse the credit union with a $300 early termination fee if account is closed within 2 years. Borrower must pay mortgage satisfaction fees at loan termination. Property insurance is required and flood insurance may be required. An appraisal fee will be assessed on credit requests of $250,000 or more. There is no annual fee. Rates and terms are subject to change. This offer is subject to credit approval.

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions:

Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit terms and policies.

Offer applies to owner-occupied 1-4 family primary residences. Purchase money mortgage loans and loans secured by mobile homes do not qualify for this offer. SF Fire Credit Union must be in a first lien position, or in a second position behind no more than one other lender in connection with its home equity line or loan on the borrower’s primary residential real estate property. The combined loan to value ratio for all loans on such property may not exceed 90%.

Member must be at least 18 years of age. This invitation to apply offer is for a home equity line of credit with a limit up to $250,000. Higher line amounts are available to those members who meet our established credit standards. The maximum amount we can lend you depends on the value of your home, your income, amount of debt, and credit history.

Please consult a tax advisor about your specific tax situation.

Payment Example: Make 120 monthly payments of $253 each at 4.00% APR based on $25000.

Term APR LTV
HELOC (prime) 4.25% < 80%
HELOC (prime + 1%) 5.25% 80-90%