Loan and deposit rates
As a not for profit financial institution, we keep our loan and deposit rates highly competitive to create value for our Members.
Certificate rates
| Length of certificate | Min. opening balance | Min. to earn dividend | Dividend Rate² | APY¹ |
|---|---|---|---|---|
|
Length of certificate:
1 month |
Min. opening balance:
$7,500 |
Min. to earn dividend:
$7,500 |
Dividend Rate²:
0.10% |
APY¹:
0.10% |
|
Length of certificate:
3 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.72% |
APY¹:
2.75% |
|
Length of certificate:
6 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
3.20% |
APY¹:
3.25% |
|
Length of certificate:
12 month² |
Min. opening balance:
$1,000² |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
3.20% |
APY¹:
3.25% |
|
Length of certificate:
18 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
3.20% |
APY¹:
3.25% |
|
Length of certificate:
24 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
|
Length of certificate:
36 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
|
Length of certificate:
48 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
|
Length of certificate:
60 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
Rates are accurate as of December 1, 2024 and are subject to change. Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. 1. APY is Annual Percentage Yield. 2. For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250.
Money market account rates
| Account Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend rate | APY¹ |
|---|---|---|---|---|
|
Account Type :
$2,500 – $14,999 |
Minimum Opening Balance :
$2,500 |
Minimum to Earn Dividend:
$2,500 |
Dividend rate :
0.30% |
APY¹:
0.30% |
|
Account Type :
$15,000 – $24,999 |
Minimum Opening Balance : |
Minimum to Earn Dividend:
$15,000 |
Dividend rate :
0.35% |
APY¹:
0.35% |
|
Account Type :
$25,000 – $49,999 |
Minimum Opening Balance : |
Minimum to Earn Dividend:
$25,000 |
Dividend rate :
0.35% |
APY¹:
0.35% |
|
Account Type :
$50,000 – $99,999 |
Minimum Opening Balance : |
Minimum to Earn Dividend:
$50,000 |
Dividend rate :
0.45% |
APY¹:
0.45% |
|
Account Type :
$100,000+ |
Minimum Opening Balance : |
Minimum to Earn Dividend:
$100,000 |
Dividend rate :
0.50% |
APY¹:
0.50% |
1 APY is Annual Percentage Yield. Rates are accurate as of December 1, 2024 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
Soar money market account rates
| Account Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | APY1 |
|---|---|---|---|---|
|
Account Type:
$500 - $14,999 |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$500 |
Dividend Rate:
0.90% |
APY1:
0.90% |
|
Account Type:
$15,000 - $49,999 |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$500 |
Dividend Rate:
1.24% |
APY1:
1.25% |
|
Account Type:
$50,000 - $99,999 |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$500 |
Dividend Rate:
1.69% |
APY1:
1.70% |
|
Account Type:
$100,000 - $149,999 |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$500 |
Dividend Rate:
3.20% |
APY1:
3.25% |
|
Account Type:
$150,000+ |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$500 |
Dividend Rate:
3.45% |
APY1:
3.50% |
1. APY is Annual Percentage Yield. Rates are accurate as of December 1, 2024 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period. *New Funds (not currently on deposit at CU SoCal)- $15,000 Minimum opening deposit
IRA rates
| Term | Minimum opening balance | Minimum to earn dividend | Dividend rate | APY1 |
|---|---|---|---|---|
|
Term:
12 month2 |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Dividend rate:
3.20% |
APY1:
3.25% |
|
Term:
18 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Dividend rate:
3.20% |
APY1:
3.25% |
|
Term:
24 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Dividend rate:
2.96% |
APY1:
3.00% |
|
Term:
36 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Dividend rate:
2.96% |
APY1:
3.00% |
|
Term:
48 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Dividend rate:
2.96% |
APY1:
3.00% |
|
Term:
60 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Dividend rate:
2.96% |
APY1:
3.00% |
1. APY is Annual Percentage Yield. 2. For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms. Rates are accurate as of December 1, 2024 and are subject to change. IRAs are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. 3. For Traditional, Roth and Coverdell Education IRAs, the minimum opening balance and minimum to earn dividends is $25.
Savings account rates
| Account type | Min opening balance | Min to earn dividend | Dividend rate | APY¹ |
|---|---|---|---|---|
|
Account type:
Regular Savings2 |
Min opening balance:
$10 |
Min to earn dividend :
$500 |
Dividend rate:
0.10% |
APY¹:
0.10% |
|
Account type:
Sub-Savings/IRA Savings 2,3 |
Min opening balance:
$5 |
Min to earn dividend :
$500 |
Dividend rate:
0.10% |
APY¹:
0.10% |
|
Account type:
Deferred Compensation 4 |
Min opening balance:
$10 |
Min to earn dividend :
$1 |
Dividend rate:
0.45% |
APY¹:
0.45% |
|
Account type:
Holiday Saver |
Min opening balance:
$10 |
Min to earn dividend :
$1 |
Dividend rate:
0.30% |
APY¹:
0.30% |
|
Account type:
Summer Saver |
Min opening balance:
$50 |
Min to earn dividend :
$1 |
Dividend rate:
0.30% |
APY¹:
0.30% |
1 APY is Annual Percentage Yield. 2 For minors, the minimum to earn dividends is $1.00. 3 IRA savings include Traditional, Roth, & Coverdell Education IRA 4 Restricted by law to school district employees. Rates are accurate as of December 1, 2024 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
Checking account rates
| Account Type | Minimum to earn dividend | Dividend rate | APY1 |
|---|---|---|---|
|
Account Type:
Rewards Checking |
Minimum to earn dividend:
$.01 |
Dividend rate:
0.10% |
APY1:
0.10% |
|
Account Type:
Classic Checking |
Minimum to earn dividend:
N/A |
Dividend rate:
N/A |
APY1:
N/A |
1. APY is Annual Percentage Yield. To earn the Rewards Checking dividend rate you must have ten (10) signature-based and/or PIN based debit card purchases each monthly statement cycle. If the requirement is not met, you will earn .05% APY on your checking account balance. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period. Rates are accurate as of December 1, 2024 and are subject to change.
Loan rates
Personal loan rates
Auto loan rates
| Loan | Term | Min APR | Max APR | Est. Payment Per $100 |
|---|---|---|---|---|
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 48 months |
Min APR:
5.74% |
Max APR:
14.74% |
Est. Payment Per $100:
$2.34 - $2.77 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 60 - 72 months |
Min APR:
5.99% |
Max APR:
14.99% |
Est. Payment Per $100:
$1.66 - $2.11 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 84 months |
Min APR:
6.49% |
Max APR:
12.49% |
Est. Payment Per $100:
$1.48 - $1.79 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 48 months |
Min APR:
5.99% |
Max APR:
14.99% |
Est. Payment Per $100:
$2.35 - $2.78 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 60 - 72 months |
Min APR:
6.24% |
Max APR:
15.24% |
Est. Payment Per $100:
$1.67 - $2.13 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 84 months |
Min APR:
6.74% |
Max APR:
12.74% |
Est. Payment Per $100:
$1.50 - $1.81 |
Rates Effective as of: January 22, 2025
1. With 90-day payment deferment, interest will continue to accrue as of funding date. APR- The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. Ask a CU SoCal representative for details. Vehicle models 2024 to 2025 with up to *10,000 miles will be considered new. Vehicle models 2015 to 2024 with up to 120,000 miles will be considered Pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Member’s may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.
RV/trailer loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New (2023 – 2024) |
Term:
up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
|
Type:
New (2023 – 2024) |
Term:
up to 180 months |
Min APR:
8.99% |
Max APR:
12.99% |
Est. payment per $100 :
$1.01- $1.26 |
|
Type:
Pre-owned (2014 – 2023) |
Term:
up to 84 months |
Min APR:
8.24% |
Max APR:
12.24% |
Est. payment per $100 :
$1.57 - $1.78 |
|
Type:
Pre-owned (2014 – 2023) |
Term:
up to 180 months |
Min APR:
9.24% |
Max APR:
13.24% |
Est. payment per $100 :
$1.03 - $1.28 |
Financing available up to 90% of retail/MSRP value including tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.
Motorcycle loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Motorcycle (2023 – 2024) |
Term:
Up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
|
Type:
Pre-owned Motorcycle (2014 – 2023) |
Term:
Up to 84 months |
Min APR:
8.24% |
Max APR:
12.24% |
Est. payment per $100 :
$1.57- $1.78 |
Financing available up to 90% of retail/MSRP value including tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are subject to change without notice.
Boat loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Boat (2023-2024) |
Term:
up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
|
Type:
New Boat (2023-2024) |
Term:
up to 180 months |
Min APR:
8.99% |
Max APR:
12.99% |
Est. payment per $100 :
$1.01 - $1.26 |
|
Type:
Pre-owned (2014-2023) |
Term:
up to 84 months |
Min APR:
8.24% |
Max APR:
12.24% |
Est. payment per $100 :
$1.57 - $1.78 |
|
Type:
Pre-owned (2014-2023) |
Term:
up to 180 months |
Min APR:
9.24% |
Max APR:
13.24% |
Est. payment per $100 :
$1.03 - $1.28 |
Financing available up to 90% of retail/MSRP value including tax, license, and document fees. Previously owned boats are not eligible. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.50% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account with automatic payment to your loan. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.
Personal watercraft loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Personal Watercraft (2023 – 2024) |
Term:
Up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
Financing available up to 90% of retail/MSRP value including tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.
Quad/side by side loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Quads/ Side by Side (2023-2024) |
Term:
Up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
Financing available up to 90% of retail/MSRP value including tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.
Personal loan rates
| Program | Term | Min APR | Max APR | Maximum loan amount | Estimated Payment Per $100 |
|---|---|---|---|---|---|
|
Program:
Share secured3,4 |
Term:
Up to 120 months |
Min APR:
3.95% |
Max APR: |
Maximum loan amount:
95% of balance |
Estimated Payment Per $100:
$1.01 |
|
Program:
Signature loan 3,4 |
Term:
60 Months |
Min APR:
11.49% |
Max APR:
19.49% |
Maximum loan amount:
$30,000 |
Estimated Payment Per $100:
$2.20 – $2.62 |
|
Program:
Certificate secured 3,4 |
Term:
Maturity |
Min APR:
2.50% plus Certificate rate |
Max APR: |
Maximum loan amount:
Loan amounts up to 95% of the available certificate balance |
Estimated Payment Per $100:
Varies |
|
Program:
Line of credit 3,4Overdraft Protection |
Term:
Line of Credit |
Min APR:
11.49% |
Max APR:
19.49% |
Maximum loan amount:
$30,000 |
Estimated Payment Per $100:
3% of balance |
1. APR is Annual Percentage Rate 2. Payment factor based on maximum term. 3. Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.) 4. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an automatic payment to your loan. Member’s may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. 5. The rates and terms above are effective as of 7/11/2024 and are subject to change without notice.
Credit card rates
| Program | Min APR¹ | Max APR¹ | Maximum loan amount | Est. payment per $1002 |
|---|---|---|---|---|
|
Program :
CU SoCal Platinum Rewards Visa 3,4,5,6,7 |
Min APR¹
:
13.15% |
Max APR¹
:
19.90% |
Maximum loan amount
:
$50,000 |
Est. payment per $1002:
3% of balance |
|
Program :
Share Secured Visa Platinum Rewards 4, 5, 7 |
Min APR¹
:
19.15% |
Max APR¹ : |
Maximum loan amount
:
95% of balance |
Est. payment per $1002:
3% of balance |
|
Program :
CU SoCal Topaz Visa Credit Card 3, 4, 6, 7 |
Min APR¹
:
11.15% |
Max APR¹
:
18.15% |
Maximum loan amount
:
$50,000 |
Est. payment per $1002:
3% of balance |
1. APR is Annual Percentage Rate 2. Payment factor based on maximum term. 3. Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.) 4. CU SoCal credit cards feature no annual fee and a 25-day grace period on all purchases (when balance is paid in full each month). 5. 2% balance transfer fee 6. APR is based on your creditworthiness at the time You establish your account. This APR will vary with the market based on the Prime Rate. 7. This APR will vary with the market based on the Prime Rate.
Adjustable-rate mortgage rates
| Product | Rate | Margin | Points | Caps | APR* | Est. payment per $1,000 |
|---|---|---|---|---|---|---|
|
Product:
5/1 ARM |
Rate:
6.000% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
6.049% |
Est. payment per $1,000:
$6.00 |
|
Product:
7/1 ARM |
Rate:
6.375% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
6.425% |
Est. payment per $1,000:
$6.24 |
|
Product:
5/5 ARM |
Rate:
6.125% |
Margin:
2.375% |
Points: 0 |
Caps:
2/2/5 |
APR* :
6.174% |
Est. payment per $1,000:
$6.08 |
Rates Effective as of: January 22, 2025
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance.. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT. The rates and terms below are effective as of 1/8/2025-1/15/2025.
Home equity line of credit rates
| Amount | Max CLTV 1 | Min APR 2 |
|---|---|---|
|
Amount :
Up to $250,000 |
Max CLTV 1 :
80% |
Min APR 2:
7.50% |
|
Amount :
Up to $500,000 |
Max CLTV 1 :
70% |
Min APR 2:
7.75% |
Rates Effective as of: January 22, 2025
1. Combined loan to value (LTV) not to exceed 80% of the appraised property value. Maximum loan amount is subject to credit qualification and appraised property value. Appraisal fees are applicable for HELOCs above $250,000. HELOC is only available on owner-occupied California properties including single-family residences, condominium and two-, three-, or four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowners insurance. 2. APR=Annual Percentage Rate. Offer available only for new CU SoCal HELOCs or refinanced HELOC from outside lender. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder and is subject to change without notice. NMLS#454788
Home equity loan rates
| Amount1 | Term | Max CLTV2 | Rate | Points | APR | EST. Payment per $1,000 |
|---|---|---|---|---|---|---|
|
Amount1
:
Up to $250,000 |
Term:
Up to 15 Years |
Max CLTV2:
75% |
Rate:
7.50% |
Points : 0 |
APR:
7.50% |
EST. Payment per $1,000:
$9.27 |
|
Amount1
:
Up to $250,000 |
Term:
Up to 20 Years |
Max CLTV2:
75% |
Rate:
7.75% |
Points : 0 |
APR:
7.75% |
EST. Payment per $1,000:
$8.21 |
|
Amount1
:
Up to $250,000 |
Term:
Up to 25 Years |
Max CLTV2:
75% |
Rate:
8.00% |
Points : 0 |
APR:
8.00% |
EST. Payment per $1,000:
$7.72 |
|
Amount1
:
Up to $150,000 |
Term:
Up to 15 Years |
Max CLTV2:
80% |
Rate:
7.50% |
Points : 0 |
APR:
7.50% |
EST. Payment per $1,000:
$9.27 |
|
Amount1
:
Up to $150,000 |
Term:
Up to 20 Years |
Max CLTV2:
80% |
Rate:
7.75% |
Points : 0 |
APR:
7.75% |
EST. Payment per $1,000:
$8.21 |
|
Amount1
:
Up to $150,000 |
Term:
Up to 25 Years |
Max CLTV2:
80% |
Rate:
8.00% |
Points : 0 |
APR:
8.00% |
EST. Payment per $1,000:
$7.72 |
Rates Effective as of: January 22, 2025
1. Maximum loan amount subject to credit qualification and appraised property value. 2. Combined Loan-to-Value (CLTV). 3. Payment factor is based on a 15-year term, 20-year term, or 25-year term. The rates and prices quoted above are effective as of 3/6/2024, are not guaranteed and are subject to change without notice. CU SoCal offers a variety of real estate loan programs. For more information, please call a CUSoCal home loan specialist at 800.698.7196.
Fixed-rate conforming mortgage rates
| Product | Interest Rate | Points | APR* | Est. Payment per $1,000 |
|---|---|---|---|---|
|
Product:
10-Year Fixed |
Interest Rate:
6.625% |
Points: 0 |
APR*:
6.729% |
Est. Payment per $1,000:
$11.42 |
|
Product:
15-Year Fixed |
Interest Rate:
6.875% |
Points: 0 |
APR*:
6.949% |
Est. Payment per $1,000:
$8.92 |
|
Product:
20-Year Fixed |
Interest Rate:
7.1250% |
Points: 0 |
APR*:
7.185% |
Est. Payment per $1,000:
$7.83 |
|
Product:
30-Year Fixed |
Interest Rate:
7.375% |
Points: 0 |
APR*:
7.422% |
Est. Payment per $1,000:
$6.91 |
Rates Effective as of: January 22, 2025
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. The rates and terms above are subject to change without notice. For a personalized rate quote, please call our home loan specialists at 800.698.7196.
Interest only adjustable-rate mortgage (ARM) loan rates
| Product | Rate | Margin | Points | Caps | APR |
|---|---|---|---|---|---|
|
Product:
5yr / 1yr |
Rate:
6.00% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR:
6.049% |
|
Product:
7yr / 1yr |
Rate:
6.375% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR:
6.425% |
|
Product:
5yr / 5yr |
Rate:
6.125% |
Margin:
2.375% |
Points: 0 |
Caps:
2/2/5 |
APR:
6.174% |
Rates Effective as of: January 22, 2025
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance.. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT.
Fixed-rate high balance mortgage rates
| Product | Rate | Points | APR | Est. Payment Per $1000 |
|---|---|---|---|---|
|
Product:
30-Year Fixed High Balance |
Rate:
8.00% |
Points: 0 |
APR:
8.032% |
Est. Payment Per $1000:
$7.34 |
|
Product:
15-Year Fixed High Balance |
Rate:
7.625% |
Points: 0 |
APR:
7.674% |
Est. Payment Per $1000:
$9.34 |
Rates Effective as of: January 22, 2025
High Balance Conforming loan amounts vary and depend on property location starting at$806,500 up to a maximum of $1,209,750 based on a 1-unit property. The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. The rates and terms above are subject to change without notice.
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