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    Home state: California
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    SAFE mortgage rates

    SAFE's lowest publicly advertised 30-year fixed rate today is 7.181% APR — the national average is 7.147%. We read SAFE's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SAFE

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.181%0.75Nov 2, 2026Visit
    20 Year Fixed6.625%6.754%0.25Nov 2, 2026Visit
    15 Year Fixed6.5%6.64%0.375Nov 2, 2026Visit
    10 Year Fixed6.25%6.387%0.375Nov 2, 2026Visit
    5 Year ARM6.125%6.837%0Nov 2, 2026Visit
    7 Year ARM6.25%6.887%0Nov 2, 2026Visit
    10 Year ARM6.375%6.937%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.125%7.077%-0.5Nov 2, 2026Visit
    15 Year Fixed Jumbo6.125%6.197%0.75Nov 2, 2026Visit
    5 Year ARM Jumbo6%6.686%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.125%6.735%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.25%6.784%0Nov 2, 2026Visit
    10 Year ARM Jumbo Refinance6.25%6.784%0Nov 2, 2026Visit
    10 Year ARM Refinance6.375%6.937%0Nov 2, 2026Visit
    10 Year Fixed Refinance6.375%6.643%0.125Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance6.25%6.37%0.75Nov 2, 2026Visit
    15 Year Fixed Refinance6.625%6.816%0.125Nov 2, 2026Visit
    20 Year Fixed Refinance6.625%6.778%0.25Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance7.25%7.264%-0.5Nov 2, 2026Visit
    30 Year Fixed Refinance7%7.168%0.75Nov 2, 2026Visit
    5 Year ARM Jumbo Refinance6%6.686%0Nov 2, 2026Visit
    5 Year ARM Refinance6.125%6.837%0Nov 2, 2026Visit
    7 Year ARM Jumbo Refinance6.125%6.735%0Nov 2, 2026Visit
    7 Year ARM Refinance6.25%6.887%0Nov 2, 2026Visit
    Visit SAFE'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 SAFE

    SAFE Credit Union serves those who live or work in Alameda, Amador, Butte, Contra Costa, El Dorado, Nevada, Placer, Sacramento, San Joaquin, Solano, Sutter, Yolo, or Yuba counties.

    County
    Sacramento County, CA, Placer County, CA, El Dorado County, CA, Yolo County, CA, San Joaquin County, CA, Contra Costa County, CA, Solano County, CA, Yuba County, CA, Sutter County, CA, Butte County, CA, Nevada County, CA, Alameda County, CA…

    Where SAFE writes mortgages

    SAFE 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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