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, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in California
Credit unions lending in California
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.
Pasadena Federal Credit Union is a community-chartered credit union serving individuals who live, work, worship, or attend school in various Los Angeles County cities including Pasadena, Glendale, Covina, Huntington Park, and surrounding areas.
Membership is open to current and retired employees of United Parcel Service (UPS) and their immediate family members.
Membership is open to anyone who lives, works, worships, or attends school in the California communities of Ridgecrest, Bishop, Trona, or Barstow, and their surrounding areas.
Membership is open to Cal State LA students, faculty, staff, and alumni, as well as residents of El Sereno and employees of several nearby cities. Los Angeles County residents can also qualify by joining the Cal State LA Friends of the Alumni Association.
JACom Credit Union serves individuals of Japanese ancestry residing in Los Angeles, Orange, Riverside, or San Bernardino Counties, as well as employees of several local businesses and members of specific cultural and community organizations.
Membership is exclusively available to employees and retirees of Pacific Gas and Electric (PG&E) and their spouses throughout California.
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.
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.
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.
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Californiastarting around 11 a.m. Central.
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.
How do credit union mortgage rates in California compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 123 credit unions listed here lending in California with a 30-year fixed mortgage, 56 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 56, the median rate is 7.063% and the lowest is 6.25%, at EDUCATIONAL EMPLOYEES. 44 of the 56 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.
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