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Current Rates

Today's Mortgage Rates

Rates Effective 09/23/2021

Conforming Fixed Rate Loans

 RatePointsAPR*
30-Year Fixed Rate3.125%0.00%3.164%
20-Year Fixed Rate2.875%0.00%2.930%
15-Year Fixed Rate2.500%0.00%2.571%

Conforming Adjustable Rate Loans

 RatePointsAPR*
3/1 ARM 30 Year3.250%0.00%3.290%
5/1 ARM 30 Year4.250%0.00%4.292%

Jumbo Fixed Rate Loans

 RatePointsAPR*
30-Year Fixed Rate3.250%0.00%3.272%
15-Year Fixed Rate2.625%0.00%2.664%
Rates and points are based on the following: Owner occupied single family home, FICO scores of 740 or greater on all borrowers, rate & term refinance transaction at 60% Loan-to-Value and a 30 day rate lock with an impound account. Additional Pricing will be added if you do not meet these guidelines. All posted rates are subject to underwriting guidelines and may change at any time without notice.
1. APR = Annual Percentage Rate. The advertised rates are based on a loan amount of $548,250 for conforming loans and $1,000,000 for jumbo loans for stated term including applicable points and customary closing costs. For 3/1 Adjustable Rate Mortgages (ARM) and 5/1 Adjustable Rate Mortgages (ARM) the advertised rates are based on a loan amount of $548,250 for conforming loans and $1,000,000 for jumbo loans for stated term including applicable points and customary closing costs.
Advertised rates available for properties located in California. Maximum CLTV for rate & term refinances single family owner occupied, Approved Condominium, Town home Project is 80% when mortgage insurance is not obtained. Mortgage Insurance (MI) is required on all owner-occupied loans with greater than 80% CLTV. Maximum CLTV for non-owner occupied homes is 75%.
All Adjustable Rate Mortgages (ARM) have a 30-year amortization. ARM rates are subject to change on specified dates.  The APR for the adjustable rate mortgage is based on the United States Treasury securities adjusted to a constant maturity  of  1 year, using weekly data (1YR  CMT weekly)  as made available by the Federal Reserve Board.
All loans and borrowers are subject to credit, income, debt and property qualification. Underwriting terms and conditions apply. Loan level pricing adjustments may apply based upon certain eligibility or other loan features such as credit score, loan purpose, occupancy, number of units, product type, loan amount your rate may be higher or high balance feature and total CLTV. Rates, conditions and terms are subject to change without notice. Other restrictions and conditions may apply.

Contact Us

If you can't find what you're looking for on our site, give us a call at 800-34UNCLE or visit our Contact page for all the details.

Routing Number

UNCLE Credit Union's Routing / Transit number is: 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of September 23rd, 2021

Uncle Credit Union BBB Business Review

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