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    Credit union mortgage rates
    Home state: California
    Open membership
    Lends in 6 states

    KINECTA mortgage rates

    KINECTA's lowest publicly advertised 30-year fixed rate today is 7.022% APR — the national average is 7.147%. That's about $12,130 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 KINECTA's rates every weekday, starting around 11 a.m. Central.

    We last read KINECTA's rates page on Nov 2, 2026.

    Today's rates from KINECTA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.022%0.25Nov 2, 2026Visit
    5 Year ARM6.125%6.506%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.25%7.338%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.25%6.511%0Nov 2, 2026Visit
    Visit KINECTA's rates page

    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 KINECTA

    Kinecta Federal Credit Union is effectively open to anyone: you can join by becoming a member of the Innovision Society, and Kinecta covers the one-time $10 fee for you. You are also eligible if you are the immediate family or a household member of an existing Kinecta member, an employee or retiree of a Kinecta Select Employer Group (SEG), or a member of a qualifying Kinecta associational group. In addition, you qualify if you live, work, worship, or attend school in one of Kinecta's served ZIP codes across the greater Los Angeles / Orange County / San Fernando Valley / Antelope Valley / San Jose–Santa Clara areas of California, the Dallas–Fort Worth / Denton metro in Texas, St. Petersburg (FL), Rochester (NY), and the Chicago O'Hare / Elk Grove corridor in Illinois.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    Select Employer Group (SEG)
    Association / SEG
    Innovision Society, Kinecta Associational Groups
    Family of a member
    immediate family, household
    ZIP
    14604, 14605, 14607, 14608, 14611, 14613, 14614, 14619, 14620, 14621, 14627, 14642…

    Where KINECTA writes mortgages

    KINECTA publishes mortgage lending in 6 states.

    ArizonaCaliforniaFloridaIllinoisNew YorkTexas

    Illinois counties where KINECTA serves members

    Cook County, IL

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

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