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    THE GOLDEN 1 mortgage rates

    THE GOLDEN 1's lowest publicly advertised 30-year fixed rate today is 6.75% APR — the national average is 7.147%. That's about $38,313 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 THE GOLDEN 1's rates every weekday, starting around 11 a.m. Central.

    We last read THE GOLDEN 1's rates page on Nov 2, 2026. THE GOLDEN 1 dates its published rate sheet Nov 2, 2026.

    Today's rates from THE GOLDEN 1

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.75%-0.125Nov 2, 2026Visit
    15 Year Fixed5.875%5.875%0Nov 2, 2026Visit
    5 Year ARM5.875%6.329%0Nov 2, 2026Visit
    7 Year ARM6%6.304%0Nov 2, 2026Visit
    10 Year ARM6.125%6.296%0Nov 2, 2026Visit
    FHA 30 Year Fixed6.49%7.205%-0.125Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%6.887%0.125Nov 2, 2026Visit
    15 Year Fixed Jumbo6.375%6.395%0.125Nov 2, 2026Visit
    5 Year ARM Jumbo5.875%6.329%0Nov 2, 2026Visit
    7 Year ARM Jumbo5.875%6.241%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.125%6.296%0Nov 2, 2026Visit
    10 Year ARM Jumbo Refinance6.625%6.637%0.125Nov 2, 2026Visit
    10 Year ARM Refinance6.375%6.471%0.125Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance6.875%6.875%-0.125Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance7.25%7.25%-0.125Nov 2, 2026Visit
    30 Year Fixed Refinance7.125%7.125%-0.125Nov 2, 2026Visit
    5 Year ARM Jumbo Refinance6.375%6.537%0.125Nov 2, 2026Visit
    5 Year ARM Refinance6.125%6.439%0.125Nov 2, 2026Visit
    7 Year ARM Jumbo Refinance6.375%6.508%0.125Nov 2, 2026Visit
    7 Year ARM Refinance6.25%6.443%0.125Nov 2, 2026Visit
    Visit THE GOLDEN 1'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 THE GOLDEN 1

    Golden 1 Credit Union is open to anyone who lives or regularly works in the state of California.

    Where THE GOLDEN 1 writes mortgages

    THE GOLDEN 1 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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