Mortgage Refinance Rates

We support your dreams of homeownership

If you're exploring a refinance, we have the mortgage rates that can make your money go further.

10/1 , 7/1 , and 5/1 ARMs AVAILABLE

Maximum Amount at these rates: $766,550*

**See rate adjustment information below

Loan Type	Rates	APR	Points
Rates effective as of 8:00 AM December 20, 2024
30 year fixed	6.375%	6.589%	1.00
	6.500%	6.667%	0.50
	6.625%	6.616%	0.00
20 Year Fixed	6.250%	6.531%	1.00
	6.375%	6.592%	0.50
	6.500%	6.653%	0.00
15 year fixed	6.000%	6.349%	1.00
	6.125%	6.395%	0.50
	6.250%	6.440%	0.00

*Jumbo/Portfolio, FHA, VA and Reverse Mortgage Loans AVAILABLE.

More Rates Available - Please contact us for details.

**Rate adjustment information

Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $766,550) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending upon these factors.

PLEASE NOTE THAT INTEREST RATES MAY CHANGE THROUGHOUT THE DAY. THE RATES ABOVE ARE SCU POSTED RATES AS OF 8 AM EACH MORNING. FOR "UP-TO-THE-MINUTE RATES," PLEASE CALL YOUR MORTGAGE LOAN ORIGINATOR OR SCU MEMBER SERVICES AT (916)444-6070 EXT. 3071