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    MONTERRA mortgage rates

    MONTERRA's lowest publicly advertised 30-year fixed rate today is 7.125% APR — the national average is 7.147%. That's about $2,139 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 MONTERRA's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from MONTERRA

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.125%7.125%0Nov 2, 2026Visit
    15 Year Fixed6.375%6.375%0Nov 2, 2026Visit
    5 Year ARM6.25%6.921%0Nov 2, 2026Visit
    7 Year ARM6.375%6.675%0Nov 2, 2026Visit
    10 Year ARM6.5%6.667%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.375%0Nov 2, 2026Visit
    15 Year Fixed Jumbo7%7%0Nov 2, 2026Visit
    30 Year Fixed Super Conforming7.125%7.125%0Nov 2, 2026Visit
    15 Year Fixed Super Conforming6.5%6.5%0Nov 2, 2026Visit
    5 Year ARM Jumbo6.25%6.921%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.5%6.739%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.625%6.75%0Nov 2, 2026Visit
    10 Year ARM Super Conforming6.25%6.503%0Nov 2, 2026Visit
    5 Year ARM Super Conforming6%6.822%0Nov 2, 2026Visit
    7 Year ARM Super Conforming6.125%6.547%0Nov 2, 2026Visit
    Visit MONTERRA'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 MONTERRA

    Membership at Monterra Credit Union is open to individuals who live, work, worship, or attend school in San Mateo County; the City of Palo Alto; or San Francisco zip codes 94110, 94112, 94116, 94122, 94124, 94132, or 94134. Business membership is available to businesses and nonprofits located or headquartered in San Mateo County, Alameda County, Contra Costa County, Santa Clara County, or San Francisco County, with annual revenue not exceeding $10,000,000 and minimal currency transactions. Employees of partner organizations, including Boys & Girls Club of San Mateo County, County of San Mateo, City of Redwood City, and many others listed on their website, are also eligible. A full list of partner organizations is available on their website.

    Employer
    Partner organizations and businesses (SEG)
    Family of a member
    Family member, domestic partner, or roommate of a current member
    County
    San Mateo County, CA, Alameda County, CA, Contra Costa County, CA, Santa Clara County, CA, San Francisco County, CA

    Where MONTERRA writes mortgages

    MONTERRA publishes mortgage lending in 1 state.

    California

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

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