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    Home state: California
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    Lends in 2 states

    PACIFIC SERVICE mortgage rates

    PACIFIC SERVICE's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track PACIFIC SERVICE daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from PACIFIC SERVICE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.764%1Sep 11, 2026Visit
    20 Year Fixed6.25%6.43%1Sep 11, 2026Visit
    15 Year Fixed5.875%6.098%1Sep 11, 2026Visit
    5 Year ARM5.875%6.082%0Sep 11, 2026Visit
    FHA 30 Year Fixed6%6.303%1Sep 11, 2026Visit
    30 Year Fixed Jumbo6.375%6.49%1Sep 11, 2026Visit
    30 Year Fixed Super Conforming6.375%6.505%1Sep 11, 2026Visit
    15 Year Fixed Super Conforming5.5%5.709%1Sep 11, 2026Visit
    5 Year ARM Jumbo5.75%6.546%0Sep 11, 2026Visit
    5 Year ARM Super Conforming5.75%6.56%0Sep 11, 2026Visit
    FHA 30 Year Fixed Super Conforming6%6.296%1Sep 11, 2026Visit
    Visit PACIFIC SERVICE's rates page

    Rate history

    Lowest daily rate PACIFIC SERVICE advertised for each product, past 90 days.

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

    Who can join PACIFIC SERVICE

    Pacific Service Credit Union is open to anyone nationwide who joins the Financial Fitness Association. Membership is also available to those who live, work, or attend school in 12 Northern California counties, employees of PG&E, and those working in the energy industry in California or Texas.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    PG&E Corporation, Pacific Gas and Electric Company, PG&E National Energy Group, Pacific Venture Capital, LLC
    Association / SEG
    Financial Fitness Association
    County
    Alameda County, CA, Contra Costa County, CA, Fresno County, CA, Marin County, CA, Napa County, CA, Placer County, CA, Sacramento County, CA, San Francisco County, CA, San Mateo County, CA, Santa Clara County, CA, Solano County, CA, Sonoma County, CA

    Where PACIFIC SERVICE writes mortgages

    PACIFIC SERVICE publishes mortgage lending in 2 states.

    CaliforniaNevada

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

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