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    JACOM mortgage rates

    JACOM's lowest publicly advertised 30-year fixed rate today is 6.179% APR — the national average is 7.147%. That's about $92,300 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read JACOM's rates every weekday, starting around 11 a.m. Central.

    We last read JACOM's rates page on Nov 2, 2026. JACOM dates its published rate sheet Oct 26, 2026.

    Today's rates from JACOM

    ProductRateAPRPointsWe readSource
    30 Year Fixed5.999%6.179%—Nov 2, 2026
    Lender's sheet dated Oct 26, 2026
    Visit
    5 Year ARM5.375%5.52%—Nov 2, 2026
    Lender's sheet dated Oct 26, 2026
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

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

    Who can join JACOM

    JACom Credit Union serves individuals of Japanese ancestry residing in Los Angeles, Orange, Riverside, or San Bernardino Counties, as well as employees of several local businesses and members of specific cultural and community organizations.

    Employer
    The Rafu Shimpo, East West Eye Institute, Miyako Inn & Spa L.A., Morita Produce, Inc., King's Hawaiian Holding Co., Inc., Masada Homes, Yonemoto Physical Therapy Services, Japan Auto Corp., Harbor Japanese Community Center, Little Tokyo Service Center (LTSC) Community Development Corp., H & H Nursery, Keiro Services
    Association / SEG
    Japanese Language School Unified System, Higashi Honganji Buddhist Temple, Japanese American Cultural and Community Center, Japanese Restaurant Assoc. of So Cal
    County
    Los Angeles County, CA, Orange County, CA, Riverside County, CA, San Bernardino County, CA

    Where JACOM writes mortgages

    JACOM publishes mortgage lending in 1 state.

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

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