F3 Mortgage, Auto Loan & HELOC Rates

As of July 9, 2026, F3 offers a 30-year-fixed mortgage at 6.56% APR (6.375% rate, 1 points). Auto loans available from 3.74% APR. HELOC rates from 5.25% APR.
Source: RateAPI.dev, verified from F3's official website

Mortgage Rates

Rates as of July 9, 2026

30-year-fixed

6.560% APR

Rate6.375%

Points1

30 Year Fixed

15-year-fixed

6.622% APR

Rate6.000%

Points1

15 Year Fixed

2.100% APR

Rate2.100%

Points0

Certificates

7-1-arm

5.588% APR

Rate5.250%

Points1

7/1 ARM 40YR

5-1-arm

6.057% APR

Rate5.000%

Points1

5/1 ARM

20-year-fixed

6.886% APR

Rate6.375%

Points1

20 Year Fixed

Auto Loan Rates

Rates as of July 9, 2026

auto_new

3.740% APR

Rate3.740%

Kickstart New Auto

auto

3.990% APR

Rate3.990%

Auto Loans

auto_new

4.740% APR

Rate4.740%

New Auto

auto_used

4.990% APR

Rate4.990%

Used Auto (last 8 model years)

auto_used

5.740% APR

Rate5.740%

Kickstart Used Auto (last 8 model years)

auto_new

6.740% APR

Rate6.740%

New Motorcycle

auto_used

6.990% APR

Rate6.990%

Used Auto (8 to 20 model years and under 250k miles)

auto_used

6.990% APR

Rate6.990%

Used Motorcycle (last 8 model years)

auto_used

7.740% APR

Rate7.740%

Kickstart Used Auto (8 to 20 model years and under 250k miles)

auto_used

7.750% APR

Rate7.750%

Used Motorcycle (older than 8 model years, max 15 years)

auto_new

8.740% APR

Rate8.740%

New Motorhomes

auto_new

8.740% APR

Rate8.740%

New Travel Trailer

auto_used

9.740% APR

Rate9.740%

Used Motorhomes (last 8 model years)

auto_used

9.740% APR

Rate9.740%

Used Travel Trailer (last 8 model years)

auto_new

18.490% APR

Rate18.490%

New Auto GPS Loan

auto_used

18.490% APR

Rate18.490%

Used Auto GPS (last 8 model years)

HELOC Rates

Rates as of July 9, 2026

heloc_variable

5.250% APR

Rate5.250%

HELOC Special

Frequently Asked Questions

What rates does F3 offer?

F3 currently offers mortgage, auto loan, and HELOC rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are F3 rates updated?

RateAPI verifies F3's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get F3's rate data?

Rate data is collected directly from F3's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is F3's mortgage rate?

As of July 9, 2026, F3 offers a 30-year-fixed mortgage at 6.56% APR.

What is F3's auto loan rate?

As of July 9, 2026, F3 offers auto loans from 3.74% APR.

Related Rate Data

Compare F3's rates against national credit-union benchmarks.

More California credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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Access this data programmatically with our REST API

terminal

# Get rates for F3
curl "https://api.rateapi.dev/credit-unions/california/f3" \
  -H "Authorization: Bearer YOUR_API_KEY"

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