--- title: "California Credit Union Mortgage Rates" description: "24 California credit unions compared, November 2026: 30-year fixed mortgages from 6.535% APR at Northeast Community. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/mortgage-rates/california" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # California Credit Union Mortgage Rates Compare local 30-year fixed, first-mortgage rates from credit unions in California. Today's best 30-year rate: 6.535% APR at Northeast Community. Zero affiliate bias - rates ranked by true cost. Updated November 2026 146 Credit Unions [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / California **Quick answer:** As of November 2026, 30-year fixed mortgage rates from credit unions in California range from **6.535% to 7.750% APR** , with a median of 7.167% APR across 24 institutions. The lowest rate currently comes from Northeast Community. Rates below are ranked by true cost with no affiliate bias. 6.535% Lowest 30yr APR Northeast Community 7.167% Median APR 7.750% Highest APR 24 Institutions California mortgage rates range from 6.535% to 7.750% APR for 30-year fixed loans. Data from 146 credit unions, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/california) ## Top California Credit Unions for Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Safe 1 Credit Union 30-Year Fixed | 6.5% | 6.5% | $2,528/mo | [Visit Site](https://www.safe1.org/) | Sacramento Credit Union 30-Year Fixed | 6.5% | 6.5% | $2,528/mo | [Visit Site](https://www.sactocu.org/) | Farmers Insurance Credit Union 30-Year Fixed | 6.49% | 6.592% | $2,553/mo | [Visit Site](https://figfcu.org/) | F & A Credit Union 30-Year Fixed | 6.625% | 6.625% | $2,561/mo | [Visit Site](https://www.fafcu.org/) | Altura Credit Union 30-Year Fixed | 6.99% | 6.99% | $2,659/mo | [Visit Site](https://www.alturacu.com/) | ## 15-Year Fixed Rates in California Lowest APR 6.170% Median APR 6.750% Institutions 8 ## How to Get the Best Mortgage Rate in California Credit unions in California often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many California credit unions have flexible membership requirements. Some are open to anyone who lives, works, or worships in the area. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your home long-term. ## Mortgage Rates by City in California [Los Angeles Mortgage Rates](https://rateapi.dev/mortgage-rates/california/los-angeles) [San Diego Mortgage Rates](https://rateapi.dev/mortgage-rates/california/san-diego) [San Jose Mortgage Rates](https://rateapi.dev/mortgage-rates/california/san-jose) [San Francisco Mortgage Rates](https://rateapi.dev/mortgage-rates/california/san-francisco) [Fresno Mortgage Rates](https://rateapi.dev/mortgage-rates/california/fresno) [Sacramento Mortgage Rates](https://rateapi.dev/mortgage-rates/california/sacramento) [Long Beach Mortgage Rates](https://rateapi.dev/mortgage-rates/california/long-beach) [Oakland Mortgage Rates](https://rateapi.dev/mortgage-rates/california/oakland) [Burbank Mortgage Rates](https://rateapi.dev/mortgage-rates/california/burbank) [Pasadena Mortgage Rates](https://rateapi.dev/mortgage-rates/california/pasadena) [Bakersfield Mortgage Rates](https://rateapi.dev/mortgage-rates/california/bakersfield) [Concord Mortgage Rates](https://rateapi.dev/mortgage-rates/california/concord) [Santa Ana Mortgage Rates](https://rateapi.dev/mortgage-rates/california/santa-ana) [Torrance Mortgage Rates](https://rateapi.dev/mortgage-rates/california/torrance) [Antioch Mortgage Rates](https://rateapi.dev/mortgage-rates/california/antioch) [Glendale Mortgage Rates](https://rateapi.dev/mortgage-rates/california/glendale) [Martinez Mortgage Rates](https://rateapi.dev/mortgage-rates/california/martinez) [Modesto Mortgage Rates](https://rateapi.dev/mortgage-rates/california/modesto) [Ontario Mortgage Rates](https://rateapi.dev/mortgage-rates/california/ontario) [Redwood City Mortgage Rates](https://rateapi.dev/mortgage-rates/california/redwood-city) [Santa Rosa Mortgage Rates](https://rateapi.dev/mortgage-rates/california/santa-rosa) [Brea Mortgage Rates](https://rateapi.dev/mortgage-rates/california/brea) [Downey Mortgage 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[Rialto Mortgage Rates](https://rateapi.dev/mortgage-rates/california/rialto) [Santa Maria Mortgage Rates](https://rateapi.dev/mortgage-rates/california/santa-maria) [Clovis Mortgage Rates](https://rateapi.dev/mortgage-rates/california/clovis) [Vacaville Mortgage Rates](https://rateapi.dev/mortgage-rates/california/vacaville) [Carson Mortgage Rates](https://rateapi.dev/mortgage-rates/california/carson) [Chico Mortgage Rates](https://rateapi.dev/mortgage-rates/california/chico) [San Marcos Mortgage Rates](https://rateapi.dev/mortgage-rates/california/san-marcos) [Hawthorne Mortgage Rates](https://rateapi.dev/mortgage-rates/california/hawthorne) [Citrus Heights Mortgage Rates](https://rateapi.dev/mortgage-rates/california/citrus-heights) [Tracy Mortgage Rates](https://rateapi.dev/mortgage-rates/california/tracy) [Livermore Mortgage Rates](https://rateapi.dev/mortgage-rates/california/livermore) [Buena Park Mortgage Rates](https://rateapi.dev/mortgage-rates/california/buena-park) [Lakewood Mortgage Rates](https://rateapi.dev/mortgage-rates/california/lakewood) [Chino Mortgage Rates](https://rateapi.dev/mortgage-rates/california/chino) [Indio Mortgage Rates](https://rateapi.dev/mortgage-rates/california/indio) ### Mortgage Rates in Nearby States [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [Oregon](https://rateapi.dev/mortgage-rates/oregon) ### Other Loan Products in California [California Credit Unions](https://rateapi.dev/credit-unions/california) [California Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/california) [Home Equity Line (HELOC) Rates in California](https://rateapi.dev/heloc-rates/california) [California Auto Loan Rates](https://rateapi.dev/auto-loan-rates/california) [California Personal Loan Rates](https://rateapi.dev/personal-loan-rates/california) ### Mortgage Rate Tools & Data [National Mortgage Rate Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Which Credit Union Has the Lowest Mortgage Rate?](https://rateapi.dev/lowest-rates/mortgage) [How We Collect & Rank Rates](https://rateapi.dev/methodology) [All Mortgage Rates](https://rateapi.dev/mortgage-rates) ## Frequently Asked Questions Common questions about mortgage rates in California As of November 2026, 30-year fixed mortgage rates in California range from 6.535% to 7.750% APR across credit unions. The median rate is 7.167% APR. What are the current mortgage rates in California? To get the best mortgage rate in California: 1) Compare rates from multiple credit unions (they often beat bank rates by 0.25-0.50%), 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact. How do I get the best mortgage rate in California? Yes, credit unions in California typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in California? For the best mortgage rates in California, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Each credit union has different requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in California? RateAPI updates credit union mortgage rates for California daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026. How often are California mortgage rates updated? Yes. RateAPI provides daily-updated California mortgage rates through a REST API and MCP server, so fintech apps, comparison sites, and AI agents can query credit union rates programmatically. See the methodology page for how rates are collected and ranked. Can I get California mortgage rate data through an API? ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) National context ## National mortgage rate context Zoom out from state-level data to the national picture and our cross-product benchmark. 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