Mortgage Loan Rates

Find the perfect loan for your perfect home


All rates and points quoted are subject to change at any time without notice.

The rates shown below are for Arizona, California, Colorado, Michigan & Nevada. If you are located in a different state, check for other rates.

Our Mortgage Loan Consultants are here to help you get started with your home loan. Give them a call at 877.404.3728 . If you're ready to apply, complete our online loan application.

Fixed-Rate Mortgage Programs

Conforming Fixed-Rate Programs - Loans up to $548,250

Loan Program Rate Points APR # of
monthly payments 		Monthly Payment Amount

30-Year Fixed Conforming 3.000% -0.375% 3.171% 360 $1,475.61
3.125% -0.750% 3.268% 360 $1,499.31
3.250% -1.375% 3.344% 360 $1,523.22
20-Year Fixed Conforming 2.750% 0.375% 3.073% 240 $1,897.58
2.875% -0.250% 3.130% 240 $1,919.26
3.000% -0.750% 3.200% 240 $1,941.09
15-Year Fixed Conforming 2.625% -0.875% 2.859% 180 $2,354.41
2.750% -1.250% 2.932% 180 $2,375.18
2.875% -1.625% 3.004% 180 $2,396.05
10-Year Fixed Conforming 2.625% -1.500% 2.835% 120 $3,319.38
2.750% -1.625% 2.936% 120 $3,339.39
2.875% -2.125% 2.958% 120 $3,359.47

APR shown based on a loan amount of $350,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

APR=Annual Percentage Rate. 30-year fixed-rate loan payment example: 3.000% interest rate with 0.375 points, 3.031% APR, loan amount of $350,000 = payments for months 1-359 would be $1,475.61 with one final payment of $1,477.89. Example based on an owner-occupied, single-family residence purchase, in California. Additional terms at this rate based on a 60% Loan-to-Value ratio and 740 representative credit score. Loans subject to borrower and property qualifications. Refinance pricing is subject to an adjustment based on transaction characteristics. All refinance applications will have an additional .50 fee in conjunction with FPCU’s standard Refinance Pricing adjustments. Not all applicants will be approved. Rate quoted as of 09.17.2020, and are subject to change daily, at any time, and without notice. View today’s rates

High-Balance Fixed Rate Loans - Amounts from $548,251 - $822,375

Loan Program Rate Points APR # of
monthly payments 		Monthly Payment Amount

30-Year High-Balance Fixed 3.000% 0.250% 3.184% 360 $2,318.82
3.125% -0.625% 3.240% 360 $2,356.06
3.250% -1.125% 3.327% 360 $2,393.63
15-Year High-Balance Fixed 2.500% 0.375% 2.846% 180 $3,667.34
2.625% -0.125% 2.900% 180 $3,699.79
2.750% -0.500% 2.973% 180 $3,732.42

APR based on a loan amount of $550,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

Jumbo Fixed Rate Loans - Amounts from $822,376 - $4,000,000

Loan Program Rate Points APR # of
monthly payments 		Monthly Payment Amount

30-Year Jumbo Fixed 3.125% 0.250% 3.307% 360 $3,641.19
3.250% -0.625% 3.363% 360 $3,699.25
3.375% -1.125% 3.449% 360 $3,757.82
15-Year Jumbo Fixed 2.625% 0.375% 2.965% 180 $5,717.86
2.750% -0.125% 3.020% 180 $5,768.28
2.875% -0.500% 3.092% 180 $5,818.98

APR shown based on a loan amount of $850,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

Adjustable Rate Mortgage Programs

Adjustable Rate Programs - Loans up to $548,250

Loan Program Rate Points APR # of
monthly payments 		Monthly Payment Amount

5/1 Adjustable Rate Loan 2.625% 0.000% 2.737% 360 $1,405.78
2.750% -0.250% 2.761% 360 $1,428.84
2.875% -0.500% 2.875% 360 $1,452.12
7/1 Adjustable Rate Loan 2.875% 0.000% 2.875% 360 $1,452.12
3.000% -0.250% 3.000% 360 $1,475.61
3.125% -0.625% 3.125% 360 $1,499.31
5/5 Adjustable Rate Loan 2.625% 0.375% 3.165% 360 $1,405.78
2.750% 0.000% 3.179% 360 $1,428.84
2.875% -0.250% 3.201% 360 $1,452.12
10/1 Adjustable Rate Loan 3.125% 0.000% 3.125% 360 $1,499.31
3.250% -0.250% 3.250% 360 $1,523.22
3.375% -0.625% 3.375% 360 $1,547.34

APR based on a loan amount of $350,000. Program shown for single-family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

Jumbo Adjustable Rate Programs - Amounts from $822,376 - $4,000,000

Loan Program Rate Points APR # of
monthly payments 		Monthly Payment Amount

5/1 Jumbo Adjustable 2.750% 0.000% 2.750% 360 $3,470.05
2.875% -0.250% 2.875% 360 $3,526.59
3.000% -0.500% 3.000% 360 $3,583.63
7/1 Jumbo Adjustable 3.000% 0.000% 3.000% 360 $3,583.63
3.125% -0.250% 3.125% 360 $3,641.19
3.250% -0.625% 3.250% 360 $3,699.25
5/5 Jumbo Adjustable 2.875% 0.000% 3.183% 360 $3,526.59
3.000% -0.250% 3.205% 360 $3,583.63
3.125% -0.500% 3.227% 360 $3,641.19
10/1 Jumbo Adjustable 3.250% 0.033% 3.250% 360 $3,699.25
3.375% 0.034% 3.375% 360 $3,757.82
3.500% 0.035% 3.500% 360 $3,816.88

APR shown based on a loan amount of $850,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

Loan Program Rate Points APR # of
monthly payments 		Monthly Payment Amount

Special Offer - 5/5 No Cost Jumbo Adjustable Rate Loan 3.250% 0.000% 3.375% 360 $3,699.25

APR based on a loan amount of $850,000. Program shown for single-family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.