When it comes to mortgage rates, don’t settle for average.

 On average, Orange County’s Credit Union is

0.197% lower in APR* on
15-year conforming fixed-rate loans

0.268% lower in APR* on
30-year conforming fixed-rate loans

Downward Purple Arrow

When it comes to one of life’s biggest investments, making the right home loan decision at the right time can make a huge impact on your financial situation. You’ll want to capitalize on the lowest possible rate and settling for an average rate or average service shouldn’t be an option. 

Compare 15-Year Conforming Fixed Rates1 as of 1/30/20*
Orange County’s Credit Union 3.000% Rate 3.090% APR
CitiBank 3.250% Rate 3.403% APR
US Bank 3.250% Rate 3.392% APR
Bank of America 3.125% Rate 3.297% APR 
Wells Fargo 3.000% Rate 3.180% APR 
Chase Bank 3.000% Rate 3.163% APR 

Compare 30-Year Conforming Fixed Rates1 as of 1/30/20*
Orange County’s Credit Union 3.375% Rate 3.435% APR
CitiBank 3.500% Rate 3.596% APR
US Bank 3.625% Rate 3.689% APR
Bank of America 3.625% Rate 3.692% APR
Wells Fargo 3.625% Rate 3.706% APR  
Chase Bank 3.750% Rate 3.833% APR  

*Informa Research Services, www.informars.com, has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

With competitively-priced conforming fixed-rate loan2 rates lower than banks, and even some local community lenders, we can help you potentially save even more on your monthly payment and interest over the life of your loan.

When’s the best time to buy or refinance?

In general, the answer is now. Rates are trending upward, so now’s the best time to lock in your rate while it’s still low. If you’re on the fence about whether now’s the right time, request a free Cost of Waiting Analysis to evaluate your current financing option versus what could potentially happen if you wait and the rate, price, or both, went up.

Laptop View of Total Cost Analysis

We’re raising the bar for superior service.

We know what goes into the loan process—there’s a lot of paperwork and a lot of time. When a day makes a difference, rely on a trusted partner who is local, experienced, and accessible to provide the guidance and peace of mind you need to determine and obtain the home loan that meets your needs. Our Mortgage Loan Consultants will simplify the process and work with you, and your Realtor, from start to finish. That’s our promise.

You deserve better than average rates and better than average service. Talk to us about how you can increase your savings potential. Rates this low may not last so apply today or request a quote from a Mortgage Loan Consultant. Or if you’re not ready to apply, simply give us a call to start the conversation. We’re happy to talk through your options.

What Our Members Are Saying

“I would like to thank you for the outstanding service you have given. You have gone beyond my expectations not only now, but prior months as we kept in touch to get this loan going. Not only did you help me understand more on my financial needs, but with your help, we discovered what were the best options. I truly appreciate you going over step by step and clarifying any questions I had. Definitely I will recommend family and friends.”

Nancy R.
Member since 2005
30-year fixed-rate loan refinance

“Have Jerry do all the loans; he was awesome! This is the second loan he’s helped me with and he changed my Realtor’s mind about credit unions. He’s the best!!”

Ariana K.
Member since 2000
30-year fixed rate loan purchase

“I called to see about getting a pre-approved mortgage loan. From the very beginning I knew I was in good hands. I have NEVER had such a wonderful experience in such a large purchase… Jennie made me want to be a part of this credit union, before I ever knew for sure that I would be approved, simply by treating me like a person instead of a number.”

Noble and Maria R.
Members since 2011
5/1 ARM loan purchase


Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify through your employer or if your immediate family Member banks with us. Ask for details. Membership fee is $5.

*APR is Annual Percentage Rate.

¹Rates used on this website are available as of 10/28/19. Rates are subject to change without notice.

²Ask your Mortgage Loan Consultant about conforming loan limits in your area.

³In providing the days-to-close comparison, Orange County’s Credit Union is using information provided by an independent third-party source. The Ellie Mae® Origination Insight Report provides monthly data and insights for a robust sampling of closed loan applications that flow through Ellie Mae’s Encompass® mortgage management software and Ellie Mae Network.

⁴For no-closing-costs option; borrower pays no closing costs, except for recurring costs such as property taxes, insurance premiums, and loan interest.

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify.