Home state: California

    SCHOOLSFIRST mortgage rates

    SCHOOLSFIRST's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track SCHOOLSFIRST daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from SCHOOLSFIRST

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%7.09%1Sep 10, 2026Visit
    15 Year Fixed5.875%6.14%1Sep 10, 2026Visit
    5 Year ARM5.625%6.37%0Sep 10, 2026Visit
    7 Year ARM5.875%6.36%0Sep 10, 2026Visit
    10 Year ARM6.125%6.4%0Sep 10, 2026Visit
    FHA 30 Year Fixed6.625%7.5%1Sep 10, 2026Visit
    FHA 15 Year Fixed5.875%6.79%1Sep 10, 2026Visit
    30 Year Fixed Jumbo6.625%6.76%1Sep 10, 2026Visit
    15 Year Fixed Jumbo6.125%6.35%1Sep 10, 2026Visit

    Rate history

    Lowest daily rate SCHOOLSFIRST advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join SCHOOLSFIRST

    Membership is primarily available to current and retired school employees in California, along with their immediate family members. Students and certain authorized service providers for school districts may also be eligible to join.

    Family of a member
    Spouse or domestic partner, Parent, Sibling, Child, Grandparent, Grandchild, Step and adoptive relationships included

    Where SCHOOLSFIRST writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with SCHOOLSFIRST.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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