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    VIDA mortgage rates

    VIDA's lowest publicly advertised 30-year fixed rate today is 4.99% — the national average is 6.88%. That's about $174,315 saved over the life of a $400,000, 30-year loan. We track VIDA daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from VIDA

    ProductRateAPRPointsAs ofSource
    30 Year Fixed4.99%5.08%0.5Sep 11, 2026Visit
    15 Year Fixed4.5%4.585%0.5Sep 11, 2026Visit
    30 Year Fixed Super Conforming6.875%6.971%0.5Sep 11, 2026Visit
    15 Year Fixed Super Conforming6.375%6.526%0.5Sep 11, 2026Visit

    Rate history

    Lowest daily rate VIDA advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join VIDA

    Membership is open to anyone who lives, works, worships, or attends school in San Bernardino County, California. Eligibility also extends to community volunteers, employees of the credit union, and immediate family or household members of current or eligible members.

    Employer
    VIDA Federal Credit Union
    County
    San Bernardino County, CA

    Where VIDA writes mortgages

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

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

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