--- title: "Best Credit Union Mortgage Rates in Vacaville" description: "Vacaville credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Northeast Community, 15-year from 6.170% APR. 24 California lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/california/vacaville" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Vacaville Vacaville credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Northeast Community, 15-year fixed from 6.170% APR. 24 California lenders compared from real rate sheets — no paid ranking. Updated November 2026 California Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Vacaville credit unions range from **6.535%** to **7.750% APR** (median 7.167%) across 24 California lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [California](https://rateapi.dev/mortgage-rates/california) / Vacaville 6.535% Lowest 30yr APR Northeast Community 7.167% Median APR 7.750% Highest APR 24 California Lenders Vacaville mortgage rates range from 6.535% to 7.750% APR for 30-year fixed loans. Data from 146 credit unions in California, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/california/vacaville) ## Top Credit Unions for Vacaville 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/) | ## 30-Year vs 15-Year Fixed in Vacaville The lowest 15-year fixed APR from credit unions serving Vacaville is 6.170%, versus 6.535% for a 30-year — a 0.365-point spread. Credit union medians: 6.750% (15-year) and 7.167% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.535% | Northeast Community | 7.167% | 24 | | 15-Year Fixed | 6.170% | California Community | 6.750% | 8 | Rates as of November 13, 2026, from published California credit union rate sheets. ## How to Get the Best Mortgage Rate in Vacaville Credit unions serving Vacaville 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 in Vacaville. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Vacaville have flexible membership requirements. Some are open to anyone who lives, works, or worships in California. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Vacaville home 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 Vacaville home long-term. ## Credit Unions With Branches in Vacaville 4 credit unions have branches in Vacaville. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Travis Credit Union rates](https://rateapi.dev/credit-unions/california/travis) [Navy Federal Credit Union Credit Union rates](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [Valley Strong Credit Union rates](https://rateapi.dev/credit-unions/california/valley-strong) [Befit Financial Credit Union rates](https://rateapi.dev/credit-unions/california/befit-financial) ### Mortgage Rates in California [All California Rates](https://rateapi.dev/mortgage-rates/california) [Los Angeles](https://rateapi.dev/mortgage-rates/california/los-angeles) [San Diego](https://rateapi.dev/mortgage-rates/california/san-diego) [San Jose](https://rateapi.dev/mortgage-rates/california/san-jose) [San Francisco](https://rateapi.dev/mortgage-rates/california/san-francisco) [Fresno](https://rateapi.dev/mortgage-rates/california/fresno) ### Other Loan Products [California Credit Unions](https://rateapi.dev/credit-unions/california) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Vacaville As of November 2026, 30-year fixed mortgage rates in the Vacaville metro area range from 6.535% to 7.750% APR across credit unions serving California. The median rate is 7.167% APR. What are the current mortgage rates in Vacaville? To get the best mortgage rate in Vacaville: 1) Compare rates from multiple credit unions serving the Vacaville metro area, 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, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Vacaville? Yes, credit unions serving Vacaville, 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 Vacaville? For the best mortgage rates in Vacaville, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in California have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Vacaville? How much house you can afford in Vacaville depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Vacaville rates to calculate your maximum affordable home price. 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