Provident Credit Union Mortgage Rates

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Rates are valid as of for a 30 day rate lock and are subject to change at any time without notice. 1

Rates shown assume the loan is for the purchase or no-cash-out refinance of an non-owner-occupied, existing single family residence, in California only, serving as a primary residence, with a loan-to-value ratio of less than 60%, and excellent credit. 3

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Fixed Rate Conforming Mortgages

Maximum Loan Amount: $453,100. APRs and payments are based on a loan amount of $453,100entered.

Term in Years Discount Points 2 Interest Rate 3 APR 4 Payment per $1,000 5 About
30 0.000% 4.875%
4.909%
$ 5.29 Details
1.000% 4.750%
4.872%
$ 5.22 Details
2.000% 4.625%
4.834%
$ 5.14 Details
20 0.000% 4.875%
4.922%
$ 6.53 Details
1.000% 4.750%
4.916%
$ 6.46 Details
2.000% 4.625%
4.912%
$ 6.39 Details
15 0.000% 4.375%
4.433%
$ 7.59 Details
1.000% 4.250%
4.459%
$ 7.52 Details
2.000% 4.125%
4.485%
$ 7.46 Details
10 0.000% 4.375%
4.459%
$ 10.30 Details
1.000% 4.250%
4.551%
$ 10.24 Details
2.000% 4.125%
4.644%
$ 10.18 Details

Fixed Rate Non-Owner-Occupied Conforming Mortgages

Maximum Loan Amount: $453,100. APRs and payments are based on a loan amount of $453,100entered.

Term in Years Discount Points 2 Interest Rate 3 APR 4 Payment per $1,000 5 About
30 0.000% 4.875%
5.065%
$ 5.29 Details
1.000% 4.750%
5.028%
$ 5.22 Details
2.000% 4.625%
4.992%
$ 5.14 Details
20 0.000% 4.875%
5.134%
$ 6.53 Details
1.000% 4.750%
5.130%
$ 6.46 Details
2.000% 4.625%
5.128%
$ 6.39 Details
15 0.000% 4.375%
4.699%
$ 7.59 Details
1.000% 4.250%
4.727%
$ 7.52 Details
2.000% 4.125%
4.757%
$ 7.46 Details
10 0.000% 4.375%
4.841%
$ 10.30 Details
1.000% 4.250%
4.937%
$ 10.24 Details
2.000% 4.125%
5.036%
$ 10.18 Details

Fixed Rate Super-Conforming Mortgages

Maximum Loan Amount: $679,650 (available in Bay Area counties and certain other areas). APRs and payments are based on a loan amount of $679,650entered.

Term in Years Discount Points 2 Interest Rate 3 APR 4 Payment per $1,000 5 About
30 0.000% 4.875%
4.899%
$ 5.29 Details
1.000% 4.750%
4.862%
$ 5.22 Details
2.000% 4.625%
4.824%
$ 5.14 Details
15 0.000% 5.125%
5.168%
$ 7.97 Details
1.000% 5.000%
5.196%
$ 7.91 Details
2.000% 4.875%
5.225%
$ 7.84 Details

Fixed Rate Super-Jumbo Mortgages

For loan amounts above Super-Conforming. APRs and payments are based on a loan amount of $1,000,000entered. Amounts over $1,000,000 Available.

Term in Years Discount Points 2 Interest Rate 3 APR 4 Payment per $1,000 5 About
30 0.000% 4.750%
4.768%
$ 5.22 Details
1.000% 4.500%
4.604%
$ 5.07 Details
15 0.000% 4.375%
4.406%
$ 7.59 Details
1.000% 4.125%
4.306%
$ 7.46 Details

Purchase-Only Fixed/Adjustable Mortgages

Movable Mortgages also available at these rates. APRs and payments are based on a loan amount of $550,000entered. For refinance rates, increase the interest rate by 0.25%. For loans of $750,000 or higher on the 7/23 and 10/10/10 programs, reduce the interest rate by 0.125%.

Mortgage Discount Points 2 Interest Rate 3 APR 4 Payment per $1,000 5 About
5/5 0.000% 4.375%
5.115%
$ 4.99 Details
1.000% 4.125%
5.110%
$ 4.85 Details
7/23 0.000% 4.250%
4.863%
$ 4.92 Details
1.000% 4.000%
4.829%
$ 4.77 Details
10/10/10 0.000% 4.250%
4.793%
$ 4.92 Details
1.000% 4.000%
4.724%
$ 4.77 Details

Purchase-Only Fixed/Adjustable Non-Owner-Occupied Mortgages

Movable Mortgages also available at these rates. APRs and payments are based on a loan amount of $550,000entered. For refinance rates, increase the interest rate by 0.25%. For loans of $750,000 or higher on the 7/23 and 10/10/10 programs, reduce the interest rate by 0.125%.

Mortgage Discount Points 2 Interest Rate 3 APR 4 Payment per $1,000 5 About
5/5 0.000% 4.750%
5.574%
$ 5.22 Details
1.000% 4.500%
5.593%
$ 5.07 Details
7/23 0.000% 4.625%
5.319%
$ 5.14 Details
1.000% 4.375%
5.286%
$ 4.99 Details
10/10/10 0.000% 4.625%
5.247%
$ 5.14 Details
1.000% 4.375%
5.177%
$ 4.99 Details
 The amount entered is less than minimum loan amount for any Provident Credit Union mortgage loans.
 The amount entered is more than maximum loan amount for any mortgage loans that we can show on this page. To get a rate quote on loans higher than $2,000,000, please call Provident Credit Union at (800) 632-4600 and press 321.
 Not all terms are available with all loan amounts. To see what is available, try reducing the loan amount or try a longer loan term (or clear the loan amount field to see all loan rates).

For more information or to apply by phone, call (800) 632-4600 and press 321. For calculators, FAQs, and more, see our Home Buying and Mortgage Resources.

1. Rate locks are available for applications submitted Monday-Friday 8am–1pm (excluding holidays).
2. Discount points are paid to buy down the interest rates and are calculated as a percentage of the loan amount.
3. Interest rate based on the above assumptions, and may be different than the rates displayed here. The interest rates, Annual Percentage Rates (APRs), discount points, and rebates shown are subject to change without notice.
4. APR - Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR.
5. Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $417,000 conforming mortgage with zero-points and a fixed rate of 4.875%, multiply 417 x $5.29 for an approximate payment amount of $2,205.93 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.
All mortgage loans through Provident Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Provident Credit Union NMLS #412725.