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    PROVIDENT mortgage rates

    PROVIDENT's lowest publicly advertised 30-year fixed rate today is 6.844% APR — the national average is 7.147%. That's about $29,297 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 PROVIDENT's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from PROVIDENT

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.625%6.844%2Nov 2, 2026Visit
    20 Year Fixed6.25%6.533%2Nov 2, 2026Visit
    15 Year Fixed6%6.353%2Nov 2, 2026Visit
    10 Year Fixed5.75%6.247%2Nov 2, 2026Visit
    3 Year ARM6%6.69%0Nov 2, 2026Visit
    5 Year ARM5.75%6.639%1Nov 2, 2026Visit
    7 Year ARM7.5%7.414%1Nov 2, 2026Visit
    10 Year ARM7.5%7.568%1Nov 2, 2026Visit
    30 Year Fixed Jumbo8.125%8.255%1Nov 2, 2026Visit
    30 Year Fixed Super Conforming6.625%6.838%2Nov 2, 2026Visit
    15 Year Fixed Super Conforming6%6.343%2Nov 2, 2026Visit
    Visit PROVIDENT'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 PROVIDENT

    Provident Credit Union is open to those who live or work in Los Angeles or several Northern California counties including San Francisco, Alameda, and Santa Clara. Eligibility is also available to employees of hundreds of partner companies, members of numerous trade associations (such as the California Teachers Association), and family or household members of current members.

    Employer
    Oracle Corporation, Costco, Comcast, City & County of San Francisco, San Jose State University, Electronic Arts, BART, Clorox, Target
    Association / SEG
    California Association of Nonprofits (CAN), California Teachers Association (CTA), California Nurses Association, California Restaurant Association, California Society of CPAs, California Hotel and Lodging Association, Bar Association of San Francisco, Alameda Chamber of Commerce, San Francisco Chamber of Commerce
    County
    Alameda County, CA, Contra Costa County, CA, El Dorado County, CA, Humboldt County, CA, Monterey County, CA, Placer County, CA, Sacramento County, CA, San Francisco County, CA, San Mateo County, CA, Santa Clara County, CA
    City
    Los Angeles, CA

    Where PROVIDENT writes mortgages

    PROVIDENT 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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