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    Home state: California
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    Lends in 1 state

    UNCLE mortgage rates

    UNCLE's lowest publicly advertised 30-year fixed rate today is 6.979% APR — the national average is 7.147%. That's about $16,288 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 UNCLE's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from UNCLE

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.979%0Nov 2, 2026Visit
    20 Year Fixed6.5%6.633%0Nov 2, 2026Visit
    15 Year Fixed6.625%6.793%0Nov 2, 2026Visit
    10 Year Fixed6.625%6.861%0Nov 2, 2026Visit
    5 Year ARM5.875%5.973%0Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%6.953%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.75%6.877%0Nov 2, 2026Visit
    30 Year Fixed Super Conforming6.875%6.953%0Nov 2, 2026Visit
    15 Year Fixed Super Conforming6.75%6.877%0Nov 2, 2026Visit
    5 Year ARM Jumbo5.875%5.949%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.125%6.2%0Nov 2, 2026Visit
    5 Year ARM Super Conforming5.875%5.949%0Nov 2, 2026Visit
    7 Year ARM Super Conforming6.125%6.2%0Nov 2, 2026Visit
    Visit UNCLE'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 UNCLE

    UNCLE Credit Union is open to those who live, work, worship, or attend school in Alameda, Contra Costa, San Joaquin, or Stanislaus counties. Additionally, anyone nationwide can join by becoming a member of the Financial Fitness Association.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    Financial Fitness Association
    County
    Alameda County, CA, Contra Costa County, CA, San Joaquin County, CA, Stanislaus County, CA

    Where UNCLE writes mortgages

    UNCLE 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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