Home state: California

    USC mortgage rates

    USC's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track USC daily and refresh rates every morning.

    Today's rates from USC

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.782%0.125Sep 11, 2026Visit
    15 Year Fixed5.75%5.938%1Sep 11, 2026Visit

    Rate history

    Lowest daily rate USC advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with USC.

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

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