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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 7.016% APR — the national average is 7.147%. That's about $12,710 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 PACIFIC SERVICE's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from PACIFIC SERVICE

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.016%1Nov 2, 2026Visit
    20 Year Fixed6.5%6.682%1Nov 2, 2026Visit
    15 Year Fixed6.125%6.35%1Nov 2, 2026Visit
    5 Year ARM6.375%6.436%0Nov 2, 2026Visit
    30 Year Fixed Jumbo6.5%6.616%1Nov 2, 2026Visit
    30 Year Fixed Super Conforming6.5%6.631%1Nov 2, 2026Visit
    15 Year Fixed Super Conforming5.75%5.961%1Nov 2, 2026Visit
    5 Year ARM Jumbo6.25%6.801%0Nov 2, 2026Visit
    5 Year ARM Super Conforming6.25%6.81%0Nov 2, 2026Visit
    Visit PACIFIC SERVICE'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 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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