Mortgage Rates

*Rates shown are based on representative pricing for a well-qualified borrower and sample loan amounts of $350,000 (Conforming), $880,000 (High Balance), and $1,300,000 (Jumbo), for an owner-occupied, rate-and-term refinance transaction. Rates may reflect points or credits depending on market conditions.

 **APR = Annual Percentage Rate is based on a 40% down payment, a strong credit profile (>=780 credit score), and includes interest and certain fees. The APR and payment examples are based on this sample scenario. Your actual rate, APR, and payment may vary based on your specific loan terms, credit profile, and closing costs.

^{*APR = Annual Percentage Rate.  A 5/6 ARM sample payment with a loan amount of $350,000, 30-year term, and a starting rate of 4.875% , 6.050% APR is; Years 1-5: Minimum $1,852.23 , Maximum $1,852.23; Year 6: Minimum $1,500.63, Maximum $2,446.92; Years 7-30: Minimum $1,500.62, Maximum $2,870.56.  Estimated payments shown are Principal and Interest only and do not include taxes and insurance; actual payment may be higher.}

*Standard variable rate of 7.00% to 16.00% APR

**APR = Annual Percentage Rate. Introductory rate valid for first 12 months; after which will change to our variable-standard non-introductory rate (currently as low as 7.00% to a maximum 16.00% APR). “Regular” rate after intro rate is variable. The index value as of January 1^st, 2026 is 6.75%. Rate may change monthly based on the index which is the Prime Rate as published in the Federal Reserve Bulletin (H.15).  The interest rate is determined by the index value plus a margin, which ranges from 0.25% to 2.50%.  The rate may not change by more than 3% in any one year. The maximum rate is 16.00% APR. The minimum payment during the draw period will be equal to all accrued yet unpaid finance charges. The minimum payment during the repayment period will be calculated monthly based on the remaining balance, variable rate and loan maturity date, subject to the lesser of $100.00 or your account balance.  Third-party fees are applicable and range from $680.00 to $1,280.00. The minimum credit Limit is $25,000 and the maximum is $399,000. The maximum combined-loan-to-value is 80%. All loans listed are available on primary member residences in California (single-family, owner-occupied detached dwellings, condos, or townhouses). Loan subject to membership, borrower and property qualifications. Property insurance is required. Rates and terms as of January 1, 2026 and are subject to change without notice. Conditions, restrictions, and terms may apply.

***The third party settlement fees are waived and must be reimbursed if loan is closed within initial 36 months

*APR = Annual Percentage Rate