Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in California
Daily average across every credit union lending in CA, past 90 days. Dashed line is the national FRED benchmark.
Mortgage rates in California
Credit unions lending in California
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.
Coast Central Credit Union is open to individuals who live or work in Humboldt, Del Norte, or Trinity Counties in California, as well as businesses located in those areas.
1st Nor Cal Credit Union (CA) is open to anyone who lives, regularly works, attends school (restrictions apply), or worships (restrictions apply) in Contra Costa, Solano, or Alameda counties, as well as businesses and legal entities located in those counties. Immediate family and household members of existing members, and the immediate family of deceased members, are also eligible.
Membership is open to current and retired employees of the City of Long Beach and the City of Signal Hill, as well as members of the Long Beach Police Officers' Association. Immediate family and household members of these individuals are also eligible to join.
Membership is exclusively available to employees and retirees of Pacific Gas and Electric (PG&E) and their spouses throughout California.
Membership is open to school employees, students, and retirees within 12 specific California counties including Fresno, Kern, and Monterey. Employees of several healthcare providers, the City of Fresno, and relatives of current or eligible members may also join.
Membership is open to individuals who live, work, worship, or attend school in nine California counties, including Santa Clara, Alameda, and Monterey. Additionally, employees of select companies in California and Texas, as well as Owens-Corning employees across the Western US, are eligible to join.
Partners Federal Credit Union is primarily for employees, retirees, and family members of The Walt Disney Company and its subsidiaries. Roommates of Disney employees and staff of certain associated operating participants are also eligible to join.
Anyone in the US can join UMe Credit Union by making a one-time $10 donation to the Burbank Arts & Education Foundation. Membership is also open to those who live, work, worship, or attend school in Burbank, CA.
Membership is primarily available to individuals who live, work, worship, or attend school in Tulare County, California. Family members of current credit union members are also eligible to join.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in California every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
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