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    Credit union mortgage rates
    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 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track UNCLE daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from UNCLE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.979%0Sep 11, 2026Visit
    20 Year Fixed7%7.136%0Sep 11, 2026Visit
    15 Year Fixed6.375%6.541%0Sep 11, 2026Visit
    10 Year Fixed6.375%6.61%0Sep 11, 2026Visit
    7 Year ARM6%6.098%0Sep 11, 2026Visit
    30 Year Fixed Jumbo6.875%6.953%0Sep 11, 2026Visit
    15 Year Fixed Jumbo6.625%6.752%0Sep 11, 2026Visit
    30 Year Fixed Super Conforming6.875%6.953%0Sep 11, 2026Visit
    15 Year Fixed Super Conforming6.625%6.752%0Sep 11, 2026Visit
    5 Year ARM Jumbo6%6.074%0Sep 11, 2026Visit
    7 Year ARM Jumbo6.125%6.2%0Sep 11, 2026Visit
    5 Year ARM Super Conforming6%6.074%0Sep 11, 2026Visit
    7 Year ARM Super Conforming6.125%6.2%0Sep 11, 2026Visit
    Visit UNCLE's rates page

    Rate history

    Lowest daily rate UNCLE advertised for each product, 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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