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    Credit union mortgage rates
    Home state: California
    Lends in 1 state

    SACRAMENTO mortgage rates

    SACRAMENTO's lowest publicly advertised 30-year fixed rate today is 6.695% APR — the national average is 7.147%. That's about $43,571 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 SACRAMENTO's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SACRAMENTO

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.5%6.695%1Nov 2, 2026Visit
    20 Year Fixed6.375%6.631%1Nov 2, 2026Visit
    15 Year Fixed5.75%6.065%1Nov 2, 2026Visit
    5 Year ARM5.875%5.968%0Nov 2, 2026Visit
    10 Year ARM6.125%6.22%0Nov 2, 2026Visit
    10 Year ARM Refinance6.375%6.471%0Nov 2, 2026Visit
    15 Year Fixed Refinance6.25%6.569%1Nov 2, 2026Visit
    20 Year Fixed Refinance6.625%6.883%1Nov 2, 2026Visit
    30 Year Fixed Refinance6.75%6.948%1Nov 2, 2026Visit
    5 Year ARM Refinance6.125%6.22%0Nov 2, 2026Visit
    7 Year ARM Refinance6.25%6.345%0Nov 2, 2026Visit
    Visit SACRAMENTO'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 SACRAMENTO

    Membership is available to anyone who lives or regularly works in the California counties of El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba. Businesses and legal entities operating within these counties are also eligible to join.

    County
    El Dorado County, CA, Placer County, CA, Sacramento County, CA, Solano County, CA, Sutter County, CA, Yolo County, CA, Yuba County, CA

    Where SACRAMENTO writes mortgages

    SACRAMENTO 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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