Explore SDCCU's Mortgage Loans
Whether you’re looking to buy a new home or refinance your existing home loan, San Diego County Credit Union mortgages are perfect for you! As a trusted mortgage lender and voted San Diego's BEST Mortgage Provider, SDCCU offers a variety of mortgage solutions including low rate conforming and jumbo home loans throughout California. Our low fixed rate and adjustable rate home loans offer low monthly payments and down payments as low as 3%. You can even take advantage of the government-based FHA and VA loans.
SDCCU offers home loan mortgages in Southern California, including:
- Fixed Rate Mortgage Loans2: Enjoy convenience and stability by paying the same fixed amount every month over the entire life of the loan. SDCCU's fixed rate mortgage loans offer the financial security needed to achieve your homeownership goals.
- Adjustable Rate Mortgages (ARM)3: SDCCU's Adjustable Rate Mortgages allows borrowers to customize their mortgage to their financial goals, as ARMs typically offer a lower initial fixed rate period for the first 5 or 7 years. ARMs also present an opportunity for refinancing if interest rates decrease in the future, resulting in lower overall mortgage costs.
View Mortgage Rates and Get a Quick Estimate
Get a quick mortgage payment estimate, calculate your payment and apply for a home mortgage loan with San Diego County Credit Union Today.
Navigating the Home Buying Journey with SDCCU
As you prepare to make one of the biggest decisions of your life by purchasing a home, it's important to choose a mortgage lender who understands priorities. At SDCCU, we recognize the significance of this milestone and are committed to guiding you through the home buying process with expertise and care. With our personalized approach and comprehensive range of mortgage options, we're here to help you find the perfect loan.
Choosing a Trusted Credit Union for Your Home Mortgage
Experience the numerous advantages of working with a trusted credit union for your home purchase versus a traditional big bank which include low fees, competitive rates and a personalized and supportive environment for your home buying journey. San Diego County Credit Union is driven by the interests of members rather than shareholders, ensuring that your needs are always prioritized.
 Calculate your estimated monthly house payment. | Calculate your estimated monthly loan amount based on desired monthly payments. | Determine whether you should rent a home versus own a home based on multiple factors. |
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Subject to approval.
1Rate lock available with a specific property identified.
2Fixed rate payment examples:
A $420,000, 10-year fixed rate at an interest rate of 5.500% (5.633% APR) would have a monthly principal and interest payment equal to $4,558. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 15-year fixed rate at an interest rate of 5.500% (5.593% APR) would have a monthly principal and interest payment equal to $3,432. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 20-year fixed rate at an interest rate of 5.875% (5.950% APR) would have a monthly principal and interest payment equal to $2,979. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 30-year fixed rate at an interest rate of 6.125% (6.182% APR) would have a monthly principal and interest payment equal to $2,552. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
3Conforming adjustable rate payment examples:
5/5 Adjustable Rate Mortgage - Borrower Paid
Payment example for a 5/5 ARM single family residence, owner-occupied and second/vacation home, purchase loan, 741 Fico Score, 70% loan-to-value with $420,000 30 year term with a 5.925% APR and with maximum periodic rate increases4: $2,254.65 per month at an interest rate of 5% for the first 5 years; $2,725.91 per month at an interest rate of 7% for years 6-10; $3,163.39 per month at an interest rate of 9% for years 11-15; $3,351.58 per month at an interest rate of 10% for years 16-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater. The initial interest rate is lower than the fully indexed rate.
5/1 Adjustable Rate Mortgage
Payment example for a 5/1 ARM single family residence, owner-occupied and second/vacation home, purchase loan, 741 Fico Score, 70% loan-to-value with $420,000 30 year term with a 5.849% APR and with maximum periodic rate increases5: $2,254.65 per month at an interest rate of 5% for the first 5 years; $2,725.91 per month at an interest rate of 7% for year 6; $3,223.06 per month at an interest rate of 9% for year 7; $3,739.72 per month at an interest rate of 11% for years 8-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater. The initial interest rate is lower than the fully indexed rate.
7/1 Adjustable Rate Mortgage
Payment example for a 7/1 ARM single family residence, owner-occupied and second/vacation home, purchase loan, 741 Fico Score, 70% loan-to-value with $420,000 30 year term with a 5.766% APR and with maximum periodic rate increases6: $2,286.85 per month at an interest rate of 5.125% for the first 7 years; $2,731.83 per month at an interest rate of 7.125% for year 8; $3,198.47 per month at an interest rate of 9.125% for year 9; $3,681.28 per month at an interest rate of 11.125% for years 10-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater. The initial interest rate is lower than the fully indexed rate.
After the initial fixed period, the interest rate and monthly payment may increase based on changes to the index plus margin.
4Rates and APRs accurate as of 3/23/2026. The rates shown are fixed for 5 years, then become adjustable and may increase or decrease once every 5 years. Maximum rate adjustment is 2% per five years and 5% over the life of the loan. The interest rate quoted is determined by the weekly average yield on the United States Treasury, securities adjusted to a constant maturity of five years (CMT) are made available by the Federal Reserve Board plus a margin of 2.75%. Verification of income, credit, assets, homeowners insurance, hazard, and, if applicable, flood insurance required. APRs, rates, terms, and conditions are subject to change.
5Rates and APRs accurate as of 3/23/2026. The rates shown are fixed for 5 years, then become adjustable and may increase or decrease once every year. Maximum rate adjustment is 2% for every one year for the life of the loan. The interest rate quoted is determined by the weekly average yield on the United States Treasury, securities adjusted to a constant maturity of five years (CMT) are made available by the Federal Reserve Board plus a margin of 2.75%. Verification of income, credit, assets, homeowners insurance, hazard, and, if applicable, flood insurance required. APRs, rates, terms, and conditions are subject to change.
6Rates and APRs accurate as of 3/23/2026. The rates shown are fixed for 7 years, then become adjustable and may increase or decrease once every year. Maximum rate adjustment is 2% for every one year for the life of the loan. The interest rate quoted is determined by the weekly average yield on the United States Treasury, securities adjusted to a constant maturity of seven years (CMT) are made available by the Federal Reserve Board plus a margin of 2.75%. Verification of income, credit, assets, homeowners insurance, hazard, and, if applicable, flood insurance required. APRs, rates, terms, and conditions are subject to change.
Why Bank with SDCCU?
Because people come first
SDCCU has always made members the number one priority. Because of this deep-rooted commitment, we’re focused on providing all the banking services you need, but from a place that’s never for-profit, and still wholly owned and operated by its members.
Cost
We don't deal with outside stakeholders, so all earnings are returned to our members through lower fees and higher dividends.
Convenience
We have 30,000 surcharge-free ATMs, 39 branch locations, and mobile and online banking, so you can bank anywhere, anytime.
Community
We are proud members of the communities we call home, and participate in a lot of local programs and events to show our support.
WHAT PEOPLE ARE SAYING
"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile."
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