Home Loan Mortgages

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! SDCCU offers low rate home loans in San Diego and throughout California. Our low fixed rate and adjustable rate home loans offer low monthly payments and down payments as low as 5%. You can even take advantage of the No Closing Costs 5/5 Adjustable Rate Mortgage!¹

low rates

Low Rates

Fixed Rate & Adjustable Rate
low down payments

Low Down Payments

As little as 5% down²
See rate sheet for details

best home loan providers

BEST Mortgage/Home Loan Provider

San Diego Union-Tribune Readers Poll

Get Pre-Qualified

  • Up to 95% financing² (that’s just 5% down)
  • Loans up to $1,500,000
  • Competitive interest rates
  • FREE 60-day rate lock
  • FREE Internet Branch online banking
  • FREE eStatements
  • Potential tax deductions³
  • Automatic payments from an eligible SDCCU account available
Apply for a home loan online today!
Compare San Diego County Credit Union home loan mortgage options & payments via our FREE online Loan Consultant. No personal information is required.

Subject to approval.
¹No Closing Costs offer available for owner occupied primary residential purchases and external (non-SDCCU) refinance only (refinance not available on Power Purchase or Power Purchase Plus loans). SDCCU will pay your closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification and recording fees.  Paid closing costs do not include pre-paid interest, homeowners insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer tax. Borrower may select escrow and/or title company. Other restrictions may apply. Reimbursement of closing costs: If the loan is paid off within 36 months of origination, a prorated amount of closing costs will be added to the loan payoff amount.
²Certain terms and restrictions apply. See rate sheet for details.
³Consult your tax advisor.
4For example: 360 monthly payments of $4.77 per $1,000 borrowed at 4.026% Fixed Annual Percentage Rate (APR) for the 30-year term based on rates offered 9/22/17. Rates may vary and are subject to change.
5For example: 360 monthly payments of $4.42 per $1,000 borrowed at 4.194% Adjustable Annual Percentage Rate (APR) for the 5-year adjustable term based on rates offered 02/07/18. Rates may vary and are subject to change.

Why People Love Us

SDCCU Reviews

"I love SDCCU and recommend them to everyone I know. I would never switch to another bank for my financial needs as I always get great, friendly service. Keep up the great work!" Vanessa A., San DiegoMember since 2005

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 43 branch locations in San Diego, Riverside and Orange counties. Open an account today.

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5/5 ARM

No Closing Costs

5/5 ARM Home Loan
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