CU RateFinder
    Credit union mortgage rates
    Home state: California
    Open membership
    Lends in 1 state

    ORANGE COUNTY'S mortgage rates

    ORANGE COUNTY'S's lowest publicly advertised 30-year fixed rate today is 7.122% APR — the national average is 7.147%. That's about $2,431 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 ORANGE COUNTY'S's rates every weekday, starting around 11 a.m. Central.

    We last read ORANGE COUNTY'S's rates page on Nov 2, 2026.

    Today's rates from ORANGE COUNTY'S

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.122%1Nov 2, 2026Visit
    15 Year Fixed6.25%6.488%1Nov 2, 2026Visit
    5 Year ARM5.75%6.992%0.875Nov 2, 2026Visit
    7 Year ARM6.25%7.078%0.875Nov 2, 2026Visit
    10 Year ARM6.375%7.001%0.75Nov 2, 2026Visit
    10 Year ARM Refinance6.375%6.957%0.75Nov 2, 2026Visit
    15 Year Fixed Refinance6.25%6.488%1Nov 2, 2026Visit
    30 Year Fixed Refinance6.875%7.122%1Nov 2, 2026Visit
    5 Year ARM Refinance5.75%6.914%0.875Nov 2, 2026Visit
    7 Year ARM Refinance6.25%7.016%0.875Nov 2, 2026Visit
    Visit ORANGE COUNTY'S'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 ORANGE COUNTY'S

    Orange County’s Credit Union is open to anyone in the United States through a free membership in the Community Impact Fund or the American Consumer Council. It also serves those who live or work in Los Angeles, Orange, Riverside, and San Bernardino counties, as well as employees of select groups like the County of Orange and Cottage Health.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    County of Orange, Cottage Health, Cottage Clinical Associates, Cottage Clinical Network, Cottage Medical Group, Goleta Valley Cottage Hospital, Pacific Diagnostics Laboratories, Santa Barbara Cottage Health Hospital, Santa Ynez Valley Cottage Hospital
    Association / SEG
    American Consumer Council, Community Impact Fund
    County
    Los Angeles County, CA, San Bernardino County, CA, Orange County, CA, Riverside County, CA
    City
    Long Beach, CA, Signal Hill, CA, Lakewood, CA, Cerritos, CA

    Where ORANGE COUNTY'S writes mortgages

    ORANGE COUNTY'S publishes mortgage lending in 1 state.

    California

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

    Not sure if ORANGE COUNTY'S is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including ORANGE COUNTY'S if you qualify — ranked by today's rate.

    Get notified when ORANGE COUNTY'S's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in California

    See all California credit union mortgage rates