--- title: "Sacramento Credit Union Rates (Nov 2026): Mortgage 6.22%" description: "Sacramento Credit Union rates today: 5 1 arm mortgage 6.22% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Sacramento Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/sacramento" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sacramento Credit Union Rates (Nov 2026): Mortgage 6.22% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.500% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.750% | — | Standard | | **5/1 ARM** 5 1 arm | 6.220% APR | 6.125% | — | Standard | | **7/1 ARM** 7 1 arm | 6.345% APR | 6.250% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.375% | — | Standard | | **10/1 ARM** 10 1 arm | 6.471% APR | 6.375% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.890% | — | Standard | | **5 Year Fixed** other | — APR | 5.890% | — | Standard | | **2 Year Fixed** other | — APR | 5.890% | — | Standard | Sacramento Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **144-Month New Auto Loan** auto_new_144mo | — APR | 6.790% | 144 mo · new | Standard | | **144-Month Used Auto Loan** auto_used_144mo | — APR | 6.790% | 144 mo · used | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 7.190% | 72 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 7.240% | 60 mo · used | Standard | Sacramento Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Certificate** cd_48mo | — APY | 4.99% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.24% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.39% | 72 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.74% | 84 mo | Standard | Sacramento Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Sacramento Credit Union offers a 5 1 arm mortgage at 6.22% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/sacramento) , verified from [Sacramento Credit Union's official website](https://www.sactocu.org/) Loading branch locator… ## About Sacramento Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 31.1K Assets $851.9M Founded 1935 Locations reported 8 NCUA charter 62641 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 counseling - Financial education - First-time homebuyer program 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** 55 - Sacramento Crocker Village · Sacramento · CA · 95818 About 2.8 miles away](https://rateapi.dev/credit-unions/california/schoolsfirst) [**Yolo** West Sac · W Sacramento · CA · 95691 About 3.0 miles away](https://rateapi.dev/credit-unions/california/yolo) [**Self-Help** Sacramento · Sacramento · CA · 95820 About 3.1 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Safe** Land Park · Sacramento · CA · 95822 About 3.3 miles away](https://rateapi.dev/credit-unions/california/safe) [**First U.s. Community** First US Community CU · Sacramento · CA · 95825 About 4.2 miles away](https://rateapi.dev/credit-unions/california/first-us-community) [**Patelco** SACRAMENTO · Sacramento · CA · 95825 About 4.9 miles away](https://rateapi.dev/credit-unions/california/patelco) 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 Sacramento Credit Union Membership eligibility from Sacramento Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in El Dorado, Placer, Sacramento +4 more - Location El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, Yuba **Cost to join:** About $25. Verified from [Sacramento Credit Union's membership page](https://www.sactocu.org/become-a-member/) . Final membership determination is always made by the credit union. ## Work at Sacramento 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 Sacramento Credit Union ranks against California peers. - See which AI assistants fetched Sacramento 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=sacramento&state=california&code=CA&name=Sacramento%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Sacramento Credit Union offer? Sacramento Credit Union currently offers mortgage, and Auto 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 Sacramento Credit Union rates updated? RateAPI verifies Sacramento 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 Sacramento Credit Union's rate data? Rate data is collected directly from Sacramento 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 Sacramento Credit Union's mortgage rate? As of November 12, 2026, Sacramento Credit Union offers a 5 1 arm mortgage at 6.22% APR. ### Who can join Sacramento Credit Union? Community charter: live/work in El Dorado, Placer, Sacramento +4 more ## Related Rate Data Compare Sacramento 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) [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.sactocu.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 Sacramento 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 Sacramento Credit Union curl "https://api.rateapi.dev/credit-unions/california /sacramento " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sacramento Credit Union locations Search, filter, and browse all 8 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/sacramento Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp