Today’s Rates

Contact us for all available mortgage loan products and rates!

5/1 Conforming ARM7/1 Jumbo ARM30 Year Fixed Jumbo
4.281% APR4.327% APR3.814% APR
3.250% Rate3.500% Rate3.750% Rate
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First-Time Buyers

We’re with you every step of the way

Buying a home is one of the most rewarding investments you’ll ever make.  And the process doesn’t have to be overwhelming. We can help you get a leg up on the competition by first getting you prequalified. Prequalification will let you know what you can afford and let sellers know you are a serious buyer!

At Stanford FCU, our member-owners receive more caring service, every step of the way — from prequalification to loan funding and closing.

Please speak with a Mortgage Consultant for details on all of our loan products.


Understanding Home Loans

Learn the ins and outs of mortgage loans, whether you’re a first-time homebuyer or considering a refinance.


We have programs to meet every first time home-buyer’s needs with little out of pocket expenses and terms to make your loan payments affordable.

  • Fixed Rate Home Loans (fixed-rate loans are available in all states, with limitations on maximum loan amounts)
  • Adjustable Rate Home Loans (ARM)
  • Jumbo Home Loans
  • Other Home Loan Options to meet your needs
  • Competitive rates
  • Low down payment requirements
  • Low fees (no junk fees)
  • Flexible terms
  • Knowledgeable Mortgage Consultants
  • Local processing – right here in Palo Alto
  • Finance Home Loans outside California
  • Membership Rewards Benefits


All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. Click here to view.
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