--- title: "California Community Credit Union Rates (Nov 2026): CDs to 4.00%" description: "California Community Credit Union has the lowest tracked 15-year fixed mortgage rate in California (6.17% APR) among 8 credit unions we verify. California Community Credit Union rates today: 15 year fixed mortgage 6.17% APR, savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join California Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/california-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # California Community Credit Union Rates (Nov 2026): CDs to 4.00% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **15-Year Fixed(3)** 15 year fixed | 6.170% APR | 6.070% | — | Standard | California Community Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **New or Used Auto / Van / Truck / SUV (Up to 60 Months)** auto_any_60mo | — APR | 4.790% | 60 mo · any | Standard | | **New or Used Auto / Van / Truck / SUV (Up to 72 Months)** auto_any_72mo | — APR | 5.090% | 72 mo · any | Standard | | **New or Used Auto / Van / Truck / SUV (Up to 84 Months)** auto_any_84mo | — APR | 5.390% | 84 mo · any | Standard | | **Up to 84 Months - NEW/USED** auto_any_84mo | — APR | 6.190% | 84 mo · any | Standard | | **Up to 180 Months - NEW/USED** auto_any_180mo | — APR | 6.190% | 180 mo · any | Standard | California Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 4.990% | — | Standard | | **Fixed Rate No-Fee Home Equity Loan** heloc_fixed | — APR | 4.990% | — | Standard | California Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 4.690% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 8.900% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 8.950% | — | Standard | | **Emergency Loan** personal | — APR | 18.000% | — | Standard | | **Overdraft LOC - $500 Maximum** personal | — APR | 18.000% | — | Standard | California Community Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Checking** checking | 0.05% APY | 0.05% | — | Standard | | **Auxillary Savings** savings | 0.05% APY | 0.05% | — | Standard | | **Money Market Accounts (Variable)** money_market | 0.20% APY | 0.20% | — | Standard | | **Account Term** savings | — APY | 3.11% | — | Standard | | **24-Month Certificate** cd_24mo | 3.30% APY | 3.26% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 3.40% APY | 3.36% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 3.40% APY | 3.36% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 3.45% APY | 3.41% | 60 mo | Standard | | **Certificate** cd | — APY | 3.85% | — | Standard | | **12-Month Certificate** cd_12mo | 3.85% APY | 3.80% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 4.00% APY | 3.94% | 6 mo | Standard | | **Approximate Term** savings | — APY | 4.99% | — | Standard | California Community Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Minimum $500 - Maximum $2,500** other | — % | 8.990% | — | Standard | | **First-Time Buyer (Up to 60 Months)** other | — % | 8.990% | — | Standard | | **First-Time Buyer (Up to 72 Months)** other | — % | 9.090% | — | Standard | | **Minimum $500 - Maximum $15,000** other | — % | 11.500% | — | Standard | | **$2000 Maximum** other | — % | 18.000% | — | Standard | California Community Credit Union other rates as of November 12, 2026 As of November 12, 2026, California Community Credit Union offers a 15-year fixed mortgage at 6.17% APR. Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/california-community) , verified from [California Community Credit Union's official website](https://www.caccu.org/) Best product position **#1 of 8** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **58 bp better than median** 15-year fixed mortgage Products ranked **1** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 15-year fixed mortgage | 6.17% | #1 of 8 · lowest in California | State market leader | 58 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim California Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=california-community&state=california&code=CA&name=California%20Community%20Credit%20Union) Loading branch locator… ## About California Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.1K Assets $79.9M Founded 1939 Locations reported 3 NCUA charter 68321 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Schoolsfirst** 59 - Sacramento College Greens · Sacramento · CA · 95826 About 0.5 miles away](https://rateapi.dev/credit-unions/california/schoolsfirst) [**Sacramento** Bradshaw Branch · Sacramento · CA · 95827-3239 About 2.4 miles away](https://rateapi.dev/credit-unions/california/sacramento) [**Patelco** SACRAMENTO · Sacramento · CA · 95825 About 2.6 miles away](https://rateapi.dev/credit-unions/california/patelco) [**First U.s. Community** First US Community CU · Sacramento · CA · 95825 About 2.8 miles away](https://rateapi.dev/credit-unions/california/first-us-community) [**Safe** East Sacramento · Sacramento · CA · 95819 About 2.9 miles away](https://rateapi.dev/credit-unions/california/safe) [**Vision One** Corporate/Main · Sacramento · CA · 95827-2500 About 4.4 miles away](https://rateapi.dev/credit-unions/california/vision-one) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join California Community Credit Union Membership eligibility from California Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on California Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location sacramento, stanislaus, placer — CA - Employer Union Pacific Railroad, California Employment Development Department Verified from [California Community Credit Union's membership page](https://www.caccu.org/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for California Community Credit Union Geography 3 counties · Employers 3 · Family 2 8 published paths to membership, last verified August 27, 2026, quoted from California Community Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Placer County, CA - Sacramento County, CA - Stanislaus County, CA “We serve members from all walks of life living in Sacramento, Stanislaus and Placer counties.” > [source ↗](https://www.caccu.org/about-us/) ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Union Pacific Railroad “We also serve members from various industries such as Union Pacific Railroad, UFCW-8 Golden State members, California Employment Development Department etc.” > [source ↗](https://www.caccu.org/about-us/) - Employee of Union Pacific Railroad - Employee of California Employment Development Department “We also serve members from various industries such as Union Pacific Railroad, UFCW-8 Golden State members, California Employment Development Department etc.” > [source ↗](https://www.caccu.org/about-us/) - Employee of California Employment Development Department - Retired employee of Union Pacific Railroad “Field of membership expanded to include employees and retirees of Union Pacific Railroad and other small employee groups.” > [source ↗](https://www.caccu.org/about-us/) - Retiree of Union Pacific Railroad ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member parents, children, aunts, uncles, cousins “Once you are a member your family is eligible to join too.” > [source ↗](https://www.caccu.org/) - Family member (parents, children, aunts, uncles, cousins) of a member - Family of a member relative “Field of membership expanded to include relatives of current members, whether or not they live in the same household.” > [source ↗](https://www.caccu.org/about-us/) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for California Community Credit Union? Yes No ## Work at California Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where California Community Credit Union ranks against California peers. - See which AI assistants fetched California Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=california-community&state=california&code=CA&name=California%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does California Community Credit Union offer? California Community Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are California Community Credit Union rates updated? RateAPI verifies California Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get California Community Credit Union's rate data? Rate data is collected directly from California Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is California Community Credit Union's mortgage rate? As of November 12, 2026, California Community Credit Union offers a 15-year fixed mortgage at 6.17% APR. ### What is California Community Credit Union's best CD rate? As of November 12, 2026, California Community Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join California Community Credit Union? California Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 3 counties and 3 employers for California Community Credit Union, each quoted from California Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare California Community Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.caccu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track California Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for California Community Credit Union curl "https://api.rateapi.dev/credit-unions/california /california-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## California Community Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/california-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp