Provident Credit Union will be closed for Indigenous Peoples' Day

Monday, October 13

Mortgage Rates

Low Rate Mortgage Loans

Rates shown assume the loan is for purchase or no-cash-out refinance of an existing single family residence. Residence is owner-occupied, in California only, serving as a primary residence. Loan-to-value ratio of less than 60%, and excellent credit.


Fixed Rate Conforming Mortgages

Maximum Loan Amount: $806,500. APRs are based on a loan amount of $806,500.

Rates are valid as of and are subject to change.

Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 6.25% 6.272% $6.16 CC, DD, EE, FF, S
1.000% 6% 6.069% $6.00
2.000% 5.75% 5.864% $5.84
20 0.000% 5.625% 5.653% $6.95 CC, DD, EE, FF, S
1.000% 5.375% 5.464% $6.81
2.000% 5.125% 5.274% $6.67
15 0.000% 5.5% 5.535% $8.17 CC, DD, EE, FF, S
1.00% 5.25% 5.44% $8.04
2.000% 5% 5.344% $7.91
10 0.000% 5.25% 5.3% $10.73 CC, DD, EE, FF, S
1.00% 5% 5.269% $10.61
2.000% 4.75% 5.239% $10.48

Fixed Rate Super Conforming Mortgages

Maximum Loan Amount: $1,209,750 (available in Bay Area counties and certain other areas). APRs are based on a loan amount of $1,209,750.

Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 6.25% 6.266% $6.16 CC, DD, EE, FF, S
1.000% 6% 6.11% $6.00
2.000% 5.75% 5.952% $5.84
15 0.000% 5.5% 5.525% $8.17 CC, DD, EE, FF, S
1.000% 5.25% 5.43% $8.04
2.000% 5% 5.334% $7.91

Fixed Rate Super Jumbo Mortgages

APRs are based on a loan amount of $2,000,000. Amounts over $2,000,000 available.

Rates are valid as of and are subject to change.

Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 8.25% 8.273% $7.51 CC, DD, EE, FF, S
1.000% 8.125% 8.255% $7.42

Fixed/Adjustable Mortgages

APRs are based on a loan amount of $550,000.

Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
3/330 Years 0.000% 5.5% 5.539% 5.68 CC, DD, EE, FF, S
1.000% 5.25% 5.569% 5.52
5/530 Years 0.000% 5.75% 5.712% $5.84 CC, DD, EE, FF, S
1.000% 5.5% 5.708% $5.68
7/2330 Years 0.000% 7.75% 7.09% $7.16 CC, DD, EE, FF, S
1.000% 7.5% 7.056% $6.99
10/1030 Years 0.000% 7.75% 7.274% $7.16 CC, DD, EE, FF, S
1.000% 7.5% 7.203% $6.99