Featured Mortgage Loan Rates

Whether you are purchasing a home or considering refinancing, our members get great rates.



I want to purchase a new home...


Our members have access to some of the best mortgage financing options available anywhere.

Whether you’re buying your first home or a retirement home, Spectrum Credit Union will help you find a mortgage solution that’s right for you. With customizable options and competitive interest rates, our mortgage packages are tough to beat.

Start your application now or learn more here. If you have any questions, call us at 510-251-6010 or 888-750-4124.

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I want to refinance my Spectrum Credit Union mortgage...


Already have a mortgage with us? You may qualify for a lower rate!

Current Spectrum CU mortgage holders can take advantage of a streamline process, minimal fees, and our lowest rates. 

Take a look at our rates, and call us at 510-251-6010 or 888-750-4124 to get started!

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Click the Rate or APR in the rate boxes above to obtain disclosures, payment examples, and additional information.


* “Conforming” loan amounts are less than or equal to $726,200; $1,089,300 in AK and HI. “Jumbo” loan amounts are greater than $726,200; $1,089,300 in AK and HI.

0 point pertains to the "Origination Point Fee" and there may be other loan level pricing adjustment (LLPA) costs that still apply. These can be affected by the applicant's loan-to-value, credit score, cash-out, occupancy status, and other factors.


Rate Assumptions

Annual Percentage Rates (APR) are calculated based on a loan amount of $726,200 for conforming loans, $726,201 for Jumbo loans. The amortization term for Adjustable Rate Mortgage (ARM) programs is 15 or 30 years.

Rates shown are for a credit score of 740 or better, purchase, one unit, owner-occupied property on a 45 day lock, based on an 80% or less loan to value ratio. Your rate may be different.

If down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR.

For adjustable-rate mortgages (ARMs), rates are subject to increase after consummation.

For the 7/6 months, 5/6 months, and 3/6 months ARM programs the interest rate is fixed for the initial 7, 5, or 3 years. After the initial fixed period, the rate will adjust every six months for the remaining term. Other amortization terms available.

Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four family units. Other restrictions on property may apply. Property insurance required. Flood insurance may be required. 

Rates subject to change daily. Rates are not guaranteed until locked. Click here for the interest rate cap table

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If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

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From everyday finance to life’s big money moments, it’s better when you belong.