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    PATELCO mortgage rates

    PATELCO's lowest publicly advertised 30-year fixed rate today is 7.09% APR — the national average is 7.147%. That's about $5,539 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 PATELCO's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from PATELCO

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.09%—Nov 2, 2026Visit
    20 Year Fixed6.625%6.736%—Nov 2, 2026Visit
    15 Year Fixed6.5%6.637%—Nov 2, 2026Visit
    10 Year Fixed6.375%6.565%—Nov 2, 2026Visit
    5 Year ARM6.125%6.58%—Nov 2, 2026Visit
    7 Year ARM6.25%6.571%—Nov 2, 2026Visit
    10 Year ARM6.375%6.583%—Nov 2, 2026Visit
    30 Year Fixed Jumbo7.625%7.71%—Nov 2, 2026Visit
    15 Year Fixed Jumbo7%7.124%—Nov 2, 2026Visit
    30 Year Fixed Super Conforming7.5%7.592%—Nov 2, 2026Visit
    15 Year Fixed Super Conforming6.875%7.01%—Nov 2, 2026Visit
    5 Year ARM Jumbo5.875%6.467%—Nov 2, 2026Visit
    7 Year ARM Jumbo5.875%6.364%—Nov 2, 2026Visit
    10 Year ARM Jumbo6.25%6.486%—Nov 2, 2026Visit
    10 Year ARM Jumbo Refinance6.375%6.57%—Nov 2, 2026Visit
    10 Year ARM Refinance6.5%6.667%—Nov 2, 2026Visit
    10 Year Fixed Refinance6.375%6.565%—Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance7%7.124%—Nov 2, 2026Visit
    15 Year Fixed Refinance6.5%6.637%—Nov 2, 2026Visit
    15 Year Fixed Super Conforming Refinance6.875%7.01%—Nov 2, 2026Visit
    20 Year Fixed Refinance6.625%6.736%—Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance7.625%7.71%—Nov 2, 2026Visit
    30 Year Fixed Refinance7%7.09%—Nov 2, 2026Visit
    30 Year Fixed Super Conforming Refinance7.5%7.592%—Nov 2, 2026Visit
    5 Year ARM Jumbo Refinance6%6.517%—Nov 2, 2026Visit
    5 Year ARM Refinance6.25%6.631%—Nov 2, 2026Visit
    7 Year ARM Jumbo Refinance6%6.428%—Nov 2, 2026Visit
    7 Year ARM Refinance6.375%6.637%—Nov 2, 2026Visit
    Visit PATELCO'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 PATELCO

    Patelco Credit Union is open to anyone in the US who joins the Financial Fitness Association, as well as residents of many Northern California counties and employees of over 1,000 partner companies like AT&T and Oracle.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    AT&T, Walgreens, Oracle, Cisco
    County
    Alameda County, CA, Contra Costa County, CA, Marin County, CA, Napa County, CA, San Francisco County, CA, San Mateo County, CA, Santa Clara County, CA, Solano County, CA, Sonoma County, CA, Sacramento County, CA, El Dorado County, CA, Placer County, CA…

    Where PATELCO writes mortgages

    PATELCO 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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