Home state: California
    Lends in 1 state

    USC mortgage rates

    USC's lowest publicly advertised 30-year fixed rate today is 7.283% APR — the national average is 7.147%. We read USC's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from USC

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.25%7.283%0.125Nov 2, 2026Visit
    15 Year Fixed6.375%6.566%1Nov 2, 2026Visit

    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 USC

    Membership is open to anyone who lives, works, worships, or attends school in Los Angeles or Orange Counties. Eligibility also extends to USC students, faculty, staff, and alumni, as well as employees of Woodbury University, AltaMed, and family members of current account holders.

    Employer
    University of Southern California, Woodbury University, AltaMed, USC Credit Union
    Association / SEG
    USC Alumni, USC Alumni Association Members
    County
    Los Angeles County, CA, Orange County, CA

    Where USC writes mortgages

    USC publishes mortgage lending in 1 state.

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

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