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    Credit union mortgage rates
    Home state: California
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    SESLOC mortgage rates

    SESLOC's lowest publicly advertised 30-year fixed rate today is 6.941% APR — the national average is 7.147%. That's about $19,957 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 SESLOC's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SESLOC

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.941%0.375Nov 2, 2026Visit
    20 Year Fixed6.5%6.585%0.375Nov 2, 2026Visit
    15 Year Fixed6.25%6.355%0.375Nov 2, 2026Visit
    10 Year Fixed5.875%5.995%0.25Nov 2, 2026Visit
    5 Year ARM6.375%6.59%0.375Nov 2, 2026Visit
    7 Year ARM6.5%6.624%0.375Nov 2, 2026Visit
    FHA 30 Year Fixed6.625%7.445%0.25Nov 2, 2026Visit
    VA 30 Year Fixed6.625%6.928%0.25Nov 2, 2026Visit
    VA 15 Year Fixed6.125%6.593%0.125Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%6.931%0.375Nov 2, 2026Visit
    15 Year Fixed Jumbo6.25%6.34%0.375Nov 2, 2026Visit
    30 Year Fixed Super Conforming7.375%7.41%0.125Nov 2, 2026Visit
    15 Year Fixed Super Conforming6.75%6.826%0.25Nov 2, 2026Visit
    10 Year Fixed Refinance5.875%5.983%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance6.25%6.334%0.375Nov 2, 2026Visit
    15 Year Fixed Refinance6.25%6.307%0.125Nov 2, 2026Visit
    15 Year Fixed Super Conforming Refinance6.75%6.819%0.25Nov 2, 2026Visit
    20 Year Fixed Refinance6.5%6.546%0.125Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance6.875%6.927%0.375Nov 2, 2026Visit
    30 Year Fixed Refinance6.875%6.923%0.25Nov 2, 2026Visit
    30 Year Fixed Super Conforming Refinance7.375%7.406%0.125Nov 2, 2026Visit
    5 Year ARM Refinance6.375%6.584%0.375Nov 2, 2026Visit
    7 Year ARM Refinance6.5%6.619%0.375Nov 2, 2026Visit
    Visit SESLOC'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 SESLOC

    Membership is open to anyone who lives, works, worships, or attends school in San Luis Obispo, Santa Barbara, Ventura, Kern, Monterey, Santa Clara, San Benito, Santa Cruz, or Fresno Counties. Immediate family members of current SESLOC members are also eligible. Additionally, Cal Poly faculty and staff are eligible for specific home loan programs.

    Employer
    Cal Poly
    County
    San Luis Obispo County, CA, Santa Barbara County, CA, Ventura County, CA, Kern County, CA, Monterey County, CA, Santa Clara County, CA, San Benito County, CA, Santa Cruz County, CA, Fresno County, CA

    Where SESLOC writes mortgages

    SESLOC 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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