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Get lower initial payments with an ARM

What makes Adjustable Rate Mortgage (ARM) right for you? An ARM is a variable-rate loan, meaning the rate changes during your term. In plain English: you’re able get a lower rate upfront and then your rate adjusts later down the road. It’s often a good choice if you’re not planning on staying in the home long-term.

 

  • Lower payments upfront – Save every month during your first term with a lower rate
  • Save up to $5,000 on closing costs1 – We’ll cover you up to $5,000
  • Increase your buying power – Getting a lower rate upfront makes it easier to afford a larger, nicer home
  • Know when your rate will adjust – Each term lets you know ahead of time when to expect an adjustment

 

Adjustable Rate Mortgage Loan Rates
Product Points APR† Rate as low as... Payment example
10/1-Year Adjustable Rate Mortgage * 0% 6.254% 5.875% $1212.65
15/15-Year Adjustable Rate Mortgage * 0% 6.106% 6.000% $1229.08

*Based on a $205,000 Loan Amount with an 80% combined loan-to-value (CLTV) and FICO>=740. Estimated payment examples do not include taxes and insurance premiums. Rate and payment may increase after consummation and varies based on index and margin.

Adjustable Rate (10/1 ARM) - Primary or secondary owner occupied-residence, $205,000 loan amount, 80% Loan-to-Value, 2% annual adjustment and 5% over the lifetime of the loan.

Adjustable Rate (15/15 ARM) - Primary or secondary owner-occupied residence, $205,000 loan amount, 80% Loan-to-Value, 5% Rate Cap for one-time adjustment.

 

Adjustable Rate Loan Rates - Jumbo Loans (over $832,750)

Rates apply to purchase and refinance.

Product Points APR† Rate as low as... Payment example
10/1-Year Adjustable Rate Mortgage Jumbo * 0% 6.034% 5.875% $7098.45
15/15-Year Adjustable Rate Mortgage Jumbo * 0% 6.073% 6.000% $7194.61

*Based on a $1,200,000 Loan Amount with an 80% combined loan-to-value (CLTV) and FICO>=740. Estimated payment examples do not include taxes and insurance premiums; Rate and payment may increase after consummation and varies based on index and margin. Jumbo mortgage loans are mortgages in excess of $832,750 up to a maximum of $3,000,000 per loan.

Adjustable Rate (10/1 ARM) - Primary or secondary owner occupied-residence, $1,200,000 loan amount, 80% Loan-to-Value, 2% annual adjustment and 5% over the lifetime of the loan.

Adjustable Rate (15/15 ARM) - Primary or secondary owner-occupied residence, $1,200,000 loan amount, 80% Loan-to-Value, 5% Rate Cap for one-time adjustment.


 

 

Federally insured by NCUA, NMLS #458903. Membership eligibility required. Restrictions apply. Loan subject to credit approval. Financing available for properties in Texas, Colorado, and Utah. Minimum loan amounts may apply. Rates subject to change.
  
† APR = Annual Percentage Rate. The APR is accurate as of 1/14/26.
  
1. The program offer to save up to $5,000 in select closing costs does not cover mortgage insurance, seller paid closing costs, discount points, prepaids, reserves, and post consummation loan costs. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred. The program is not valid for FHA, VA, or Lot/Land loans. Closing costs may vary based on transaction.