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    Credit union mortgage rates
    Home state: California
    Lends in 1 state

    MYPOINT mortgage rates

    MYPOINT's lowest publicly advertised 30-year fixed rate today is 7.14% APR — the national average is 7.147%. That's about $681 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 MYPOINT's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from MYPOINT

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.14%0Nov 2, 2026Visit
    20 Year Fixed6.875%6.908%0Nov 2, 2026Visit
    15 Year Fixed6.625%6.665%0Nov 2, 2026Visit
    10 Year Fixed6.375%6.431%0Nov 2, 2026Visit
    5 Year ARM6.25%6.763%0Nov 2, 2026Visit
    7 Year ARM6.375%6.754%0Nov 2, 2026Visit
    10 Year ARM6.5%6.766%0Nov 2, 2026Visit
    Visit MYPOINT'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 MYPOINT

    Membership is available to anyone who lives, works, or worships in San Diego or Riverside Counties. Immediate family members of current MyPoint Credit Union members are also eligible to join.

    County
    San Diego County, CA, Riverside County, CA

    Where MYPOINT writes mortgages

    MYPOINT 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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