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    F3 mortgage rates

    F3's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track F3 daily and refresh rates every morning.

    Today's rates from F3

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.94%1Sep 11, 2026Visit
    20 Year Fixed6.875%7.4%1Sep 11, 2026Visit
    15 Year Fixed6.375%6.68%1Sep 11, 2026Visit
    5 Year ARM5%6.057%1Sep 11, 2026Visit
    7 Year ARM5.25%5.588%1Sep 11, 2026Visit
    Visit F3's rates page

    Rate history

    Lowest daily rate F3 advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join F3

    Membership in F3 Credit Union is open to all persons who live, work, worship, or go to school in Santa Clara County. Eligibility also extends to all employees, retirees, and contract employees of the U.S. Postal Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin, and San Joaquin. Additionally, all Civil Service employees in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, and San Francisco are eligible, along with the employees, contract employees, and legal counsel of the credit union.

    Employer
    U.S. Postal Service - Santa Clara CA, U.S. Postal Service - San Mateo CA, U.S. Postal Service - Santa Cruz CA, U.S. Postal Service - Monterey CA, U.S. Postal Service - San Benito CA, U.S. Postal Service - San Francisco CA, U.S. Postal Service - Solano CA, U.S. Postal Service - Contra Costa CA, U.S. Postal Service - Alameda CA, U.S. Postal Service - Napa CA, U.S. Postal Service - Sonoma CA, U.S. Postal Service - Marin CA…
    Family of a member
    immediate family, household members
    County
    Santa Clara, CA

    Where F3 writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with F3.

    California

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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