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    Credit union mortgage rates
    Home state: California
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    VIDA mortgage rates

    VIDA's lowest publicly advertised 30-year fixed rate today is 6.983% APR — the national average is 7.147%. That's about $15,902 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 VIDA's rates every weekday, starting around 11 a.m. Central.

    We last read VIDA's rates page on Nov 2, 2026. VIDA dates its published rate sheet Nov 2, 2026.

    Today's rates from VIDA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.983%0.5Nov 2, 2026Visit
    15 Year Fixed6.25%6.419%0.5Nov 2, 2026Visit
    30 Year Fixed Super Conforming6.999%7.096%0.5Nov 2, 2026Visit
    15 Year Fixed Super Conforming6.375%6.526%0.5Nov 2, 2026Visit
    Visit VIDA'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 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

    VIDA 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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