Today’s Mortgage Rates

  30-Yr Fixed 15-Yr Fixed 10/1 Adj 7/1 Adj 5/1 Adj
Rate 3.000% 2.375% 2.750% 2.625% 2.625%
APR 3.064% 2.468% 2.891% 2.832% 2.823%
Points 0.250 0.125 0.500 0.375 0.000
Payment $1,264.81 $1,982.76 $1,224.72 $1,204.95 $1,204.95
  Rate APR Points Payment
30-Yr Fixed 3.000% 3.064% 0.250 $1,264.81
15-Yr Fixed 2.375% 2.468% 0.125 $1,982.76
10/1 Adj 2.750% 2.891% 0.500 $1,224.72
7/1 Adj 2.625% 2.832% 0.375 $1,204.95
5/1 Adj 2.625% 2.823% 0.000 $1,204.95
Effective September 24, 2021 09:10 AM Pacific Time (PT)

Do More While Saving More

What Type of Home Loan is Right for You?

How It Works

Find Your Loan

Need help? We'll create a personalized Total Cost Analysis just for you. 

Get A Fast Track Decision

Apply online and get an instant decision, or apply over the phone.

Check Your Status

Check on your loan, securely esign, and receive documents online.

Get Your Funds

We work hard to close our loans faster than the national average.**

Discover Your Options with a Total Cost Analysis

Gain clarity on all of your loan options with our complimentary Total Cost Analysis service. It’s personalized to your unique situation, and offers a side-by-side comparison of your costs, savings, and options.

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Save with Our Home Connections Rebate Program

Get a commission rebate through our exclusive Home Connections program. We’ll introduce you to a local participating real estate agent who can help you buy or sell your home, while we help you with the financing. You’ll get the expertise you need, and save thousands of dollars on fees.

20% commission rebate from participating real estate agents***

Discounts on escrow services and home warranty†

Search every MLS listing in SoCal to find your favorite homes

Free escrow signing services at your home or office

Simplifying the Home Buying Experience

We know what goes into the loan process–there's a lot of paperwork and a lot of time. That's why having a trusted partner who is local, experienced, and accessible will provide the guidance and peace of mind you need to obtain the home loan that meets your needs. Our Mortgage Loan Consultants will simplify the process and work with you, from start to finish. That's our promise.


Calculators & Tools

View registered Mortgage Loan Originators

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. Membership in Orange County’s Credit Union is a condition of loan approval. Limited to funding California properties only.

*In providing a market rate comparison, Orange County’s Credit Union is using information provided by an independent third-party source and is not responsible for the accuracy of the information. The comparison is provided by Informa Research Services, a financial research service.

**In providing the days-to-close comparison, Orange County’s Credit Union is using information provided by an independent third-party source and is not responsible for the accuracy of the information. 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 the Ellie Mae Network.

***Rebate payment is made by First Team Real Estate and is credited to your benefit at the close of the transaction. Purchase price must be greater than $200,000. Members receive a 25% rebate if they sell AND purchase with an assigned First Team Real Estate agent. In order to receive the 25% rebate, the home sale and purchase transactions must take place within six months of each other. Alternatively, Members receive a 20% rebate if they sell OR purchase a home with an assigned First Team Real Estate agent. First Team Real Estate is not affiliated with Orange County’s Credit Union. Ask for details.

†Escrow services discount and free signing services available only on an escrow serviced by Hallmark Escrow/Coast Cities Escrow. Warranty discount available only on a warranty serviced by Home Warranty of America. Hallmark Escrow/Coast Cities Escrow and Home Warranty of America are not affiliated with Orange County’s Credit Union. Check with the seller of the property regarding selection of the escrow company.

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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 if your immediate family member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Adoptive Relationships