Patelco Mortgage & Home Equity Rates


Find the best possible rates for your specific
needs on mortgages or home equity loans/lines.
Use our quick and easy Rate Tracker* or
Mortgage Calculators to find the
best solution for you!

Printer friendly ▶


CU Members Mortgage Partnership Rate Tracker

In partnership with CU Members Mortgage, we are now offering mortgage loans for FHA (Federal Housing Administration) Loans, VA (Veteran Affairs) Loans and loans for properties outside of California. Click on the links below to learn more and view rates.

For California properties only: Interested in tracking a specific rate for any Home Loan product?

Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA only.

Rates Effective 04/18/2014 – California Properties Only.

Conforming Fixed Rate Loans from $50,000.00 to $417,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
30-Year Fixed Rate 4.250% 1.000 4.413%
30-Year Fixed Rate 4.375% 0.500 4.497%
30-Year Fixed Rate 4.500% 0.000 4.580%
20-Year Fixed Rate 3.875% 1.000 4.093%
20-Year Fixed Rate 4.000% 0.500 4.162%
20-Year Fixed Rate 4.125% 0.000 4.230%
15-Year Fixed Rate 3.250% 1.000 3.518%
15-Year Fixed Rate 3.375% 0.500 3.571%
15-Year Fixed Rate 3.500% 0.000 3.624%
10-Year Fixed Rate 2.875% 1.000 3.255%
10-Year Fixed Rate 3.000% 0.500 3.276%
10-Year Fixed Rate 3.125% 0.000 3.298%
Back to top

High-Balance Fixed Rate Loans from $417,000.00 up to $625,500.00 Learn More > Apply Now >

Loan Program Rate Points APR1
High-Balance 30-Year Fixed Rate 4.250% 1.000 4.397%
High-Balance 30-Year Fixed Rate 4.375% 0.500 4.481%
High-Balance 30-Year Fixed Rate 4.500% 0.000 4.564%
High-Balance 15-Year Fixed Rate 3.375% 1.000 3.618%
High-Balance 15-Year Fixed Rate 3.500% 0.500 3.671%
High-Balance 15-Year Fixed Rate 3.625% 0.000 3.724%
Back to top

Jumbo Fixed Rate Loans from $417,000.01 - $2,000,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
30-Year Fixed Rate Jumbo 3.875% 1.000 4.008%
30-Year Fixed Rate Jumbo 4.000% 0.500 4.093%
30-Year Fixed Rate Jumbo 4.125% 0.000 4.177%
15-Year Fixed Rate Jumbo 3.250% 1.000 3.476%
15-Year Fixed Rate Jumbo 3.375% 0.500 3.530%
15-Year Fixed Rate Jumbo 3.500% 0.000 3.583%
Back to top
Printer friendly ▶


CU Members Mortgage Partnerhship Rate Tracker

In partnership with CU Members Mortgage, we are now offering mortgage loans for FHA (Federal Housing Administration) Loans, VA (Veteran Affairs) Loans and loans for properties outside of California. Click on the links below to learn more and view rates.

For California properties only: Interested in tracking a specific rate for any Home Loan product?

Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA only.

Rates Effective 04/18/2014 – California Properties Only.

Conforming Adjustable Rate Loans from $50,000.00 - $417,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
3/1 30-Year Adjustable Rate 2.500% 1.000 3.030%
3/1 30-Year Adjustable Rate 2.625% 0.500 3.019%
3/1 30-Year Adjustable Rate 2.750% 0.000 3.007%
5/1 30-Year Adjustable Rate 2.500% 1.000 2.967%
5/1 30-Year Adjustable Rate 2.625% 0.500 2.971%
5/1 30-Year Adjustable Rate 2.750% 0.000 2.851%
5/5 30-Year Adjustable Rate 2.750% 1.000 3.175%
5/5 30-Year Adjustable Rate 2.875% 0.500 3.179%
5/5 30-Year Adjustable Rate 3.000% 0.000 3.184%
7/1 30-Year Adjustable Rate 2.750% 1.000 3.026%
7/1 30-Year Adjustable Rate 2.875% 0.500 3.045%
7/1 30-Year Adjustable Rate 3.000% 0.000 3.063%
10/1 30-Year Adjustable Rate 3.375% 1.000 3.377%
10/1 30-Year Adjustable Rate 3.500% 0.500 3.414%
10/1 30-Year Adjustable Rate 3.625% 0.000 3.452%
High-Balance 5/1 30-Year Adjustable Rate 2.500% 1.000 2.967%
High-Balance 5/1 30-Year Adjustable Rate 2.625% 0.500 2.971%
High-Balance 5/1 30-Year Adjustable Rate 2.750% 0.000 2.976%
High-Balance 7/1 30-Year Adjustable Rate 2.750% 1.000 3.026%
High-Balance 7/1 30-Year Adjustable Rate 2.875% 0.500 3.045%
High-Balance 7/1 30-Year Adjustable Rate 3.000% 0.000 3.063%
Back to top

Jumbo Adjustable Rate Loans from $417,000.01 - $2,000,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
7/1 30-Year Jumbo Adjustable Rate 2.875% 1.000 3.062%
7/1 30-Year Jumbo Adjustable Rate 3.000% 0.500 3.081%
7/1 30-Year Jumbo Adjustable Rate 3.125% 0.000 3.100%
10/1 30-Year Jumbo Adjustable Rate 3.375% 1.000 3.354%
7/1 30-Year Jumbo Adjustable Rate 3.500% 0.500 3.391%
10/1 30-Year Jumbo Adjustable Rate 3.625% 0.000 3.429%
5/1 30-Year Jumbo Adjustable Rate 2.625% 1.000 2.988%
5/1 30-Year Jumbo Adjustable Rate 2.750% 0.500 2.993%
5/1 30-Year Jumbo Adjustable Rate 2.875% 0.000 2.997%
5/5 30-Year Jumbo Adjustable Rate 2.875% 1.000 3.219%
5/5 30-Year Jumbo Adjustable Rate 3.000% 0.500 3.223%
5/5 30-Year Jumbo Adjustable Rate 3.125% 0.000 3.228%
Back to top
Printer friendly ▶


CU Members Mortgage Partnership Rate Tracker

In partnership with CU Members Mortgage, we are now offering mortgage loans for FHA (Federal Housing Administration) Loans, VA (Veteran Affairs) Loans and loans for properties outside of California. Click on the links below to learn more and view rates.

For California properties only: Interested in tracking a specific rate for any Home Loan product?

Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA only.

Rates Effective 04/18/2014 – California Properties Only.

Interest Only Equity Line of Credit Variable rate, open-ended loan Learn More > Apply Now >

Amount Loan-to-Value Rate/APR1
$5,000-$250,000.00 Up to 89% 3.74% to 5.49%
Back to top

Home Equity Loans Fixed rate, fixed term Learn More > Apply Now >

Term Amount Loan-to-Value Rate APR1
7 years $5,000 - $250,000.00 Up to 70% LTV 6.000% 6.238%
7 years $5,000 - $250,000.00 Up to 80% LTV 6.250% 6.496%
7 years $5,000 - $250,000.00 Up to 89% LTV 8.000% 8.298%
10 years $5,000-$250,000.00 To 70% LTV 6.500% 6.684%
10 years $5,000-$250,000.00 To 80% LTV 6.750% 6.940%
10 years $5,000-$250,000.00 To 89% LTV 8.500% 8.731%
15 years $5,000-$250,000.00 To 70% LTV 6.500% 6.631%
15 years $5,000-$250,000.00 To 80% LTV 6.750% 6.6885%
15 years $5,000-$250,000.00 To 89% LTV 8.500% 8.668%
20 years $5,000-$250,000.00 To 70% LTV 7.500% 7.620%
20 years $5,000-$250,000.00 To 80% LTV 7.750% 7.874%
20 years $5,000-$250,000.00 To 89% LTV 9.500% 9.655%
Back to top
  1. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.
    *Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA only.