--- title: "Northeast Community Credit Union: #1 Mortgage in California" description: "Northeast Community Credit Union has the lowest tracked 30-year fixed mortgage rate in California (6.54% APR) among 24 credit unions we verify. Northeast Community Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Northeast Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/northeast-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Northeast Community Credit Union: #1 Mortgage in California ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30 Year Fixed - Home Ready** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | Northeast Community Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Northeast Community Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/northeast-community) , verified from [Northeast Community Credit Union's official website](https://www.necfcu.org/) Best product position **#1 of 24** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **63 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 24 · lowest in California | State market leader | 63 bp better than median | | 15-year fixed mortgage | 6.39% | Better than the California median | 22 bp from state best | 36 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Northeast 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=northeast-community&state=california&code=CA&name=Northeast%20Community%20Credit%20Union) Loading branch locator… ## About Northeast Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 930 Assets $15.8M Founded 1981 Locations reported 2 NCUA charter 23780 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products - Payday Alternative Loans I 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. [**Provident** Branch Office · San Francisco · CA · 94108-2504 About 0.2 miles away](https://rateapi.dev/credit-unions/california/provident) [**San Francisco Lee** CHINATOWN · SAN FRANCISCO · CA · 94108 About 0.3 miles away](https://rateapi.dev/credit-unions/california/san-francisco-lee) [**Patelco** SAN FRANCISCO - DOWNTOWN · San Francisco · CA · 94105 About 0.6 miles away](https://rateapi.dev/credit-unions/california/patelco) [**San Francisco** Van Ness Branch · San Francisco · CA · 94109 About 0.9 miles away](https://rateapi.dev/credit-unions/california/san-francisco) [**I.l.w.u.** Balma · San Francisco · CA · 94133 About 1.1 miles away](https://rateapi.dev/credit-unions/california/ilwu) [**The Police** Bryant Street Branch · San Francisco · CA · 94103 About 1.1 miles away](https://rateapi.dev/credit-unions/california/the-police) 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 Northeast Community Credit Union Membership eligibility from Northeast Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in CA - Location CA Verified from [Northeast Community Credit Union's membership page](https://www.necfcu.org/) . Final membership determination is always made by the credit union. ## Work at Northeast 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 Northeast Community Credit Union ranks against California peers. - See which AI assistants fetched Northeast 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=northeast-community&state=california&code=CA&name=Northeast%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Northeast Community Credit Union offer? Northeast Community Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Northeast Community Credit Union rates updated? RateAPI verifies Northeast 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 Northeast Community Credit Union's rate data? Rate data is collected directly from Northeast 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 Northeast Community Credit Union's mortgage rate? As of November 12, 2026, Northeast Community Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Northeast Community Credit Union? Community charter: live/work in CA ## Related Rate Data Compare Northeast 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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-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.necfcu.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 Northeast 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 Northeast Community Credit Union curl "https://api.rateapi.dev/credit-unions/california /northeast-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Northeast Community Credit Union locations Search, filter, and browse all 2 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/northeast-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp