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Adjustable Rate Mortgages (ARM)

Get lower rates on your mortgage to purchase your next home

With an Adjustable Rate Mortgage from SFCU, you can get low fixed rates for a time to keep your monthly payments low and more money in your account.


Low Initial Rate

Enjoy a low fixed rates for the first 60 months to get a head start making lower payments.



Flexibility for borrowers who plan to move in the future or who anticipate their income increasing.

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Interest Rate Caps

The interest rate won't increase or decrease more than 2% after the initial fixed rate period and rates won't change more than 5% over the lifetime of the loan to make it easy to predict how much your payments could be in the long run.


Various ARM Options

Choose between 5/1 and 5/5 ARM options to find the mortgage loan that works best for your budget and goals.


More Purchasing Options

Use your ARM funds to purchase the property that best suits your needs, whether it's a home, land, or mobile home for more buying flexibility.


View rates

5/1 ARM

As low as APR*

5/5 ARM

As low as APR*

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Fixed Rate Periods

Fixed rates make predictable payments

Depending on the ARM option you choose, you can enjoy low fixed rates for the first 60 months. Fixed rates make it easy to predict your monthly payments and get a head start on paying off your loan.

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Various ARM Options

Choose a loan that works best for your budget and goals

At SFCU, we offer multiple Adjustable Rate Mortgage loan options, so you can find the perfect loan to suit your unique needs. Choose between 5/1 and 5/5 ARM loans to pick the payment, rate, and term that works for you.

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    •  All ARM products are based on a 30 year amortization
    •  1st Mortgage, Owner occupied
    • 80% of Purchase Price or Appraised Value whichever is less
    • Greater than 80% LTV requires PMI Insurance
    • Vacation Homes/2nd homes are .25% higher and require 20% down payment
    • Manufactured Loans minimum down payment 20%, New Home only for ARM’s; new and used available for fixed rates
    • Escrow may be required
    • One to four family primary residence; no commercial property

    Adjustable Rate Mortgage rate and payment changes:

    The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase
    For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an “Index”.
    Before each Change Date, we will calculate the new interest rate by adding the “Margin” to the “Current Index”. The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
    The rate may not adjust more than the “Max Rate change per Period” indicated above on each “Change Date”. The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the “Life time Change” of the loan.

    NMLS# 609016

5/1 ARM

An Adjustable Rate Mortgage with a low, fixed rate for the first five years. The rate then changes by no more than 2% every one year following the initial fixed-rate period.

5/5 ARM

Similar to a 5/1 ARM with a fixed rate period for the first five years, except rate changes only occur every five years after the initial fixed-rate period for longer periods with the same rate.

How it works

Becoming a homeowner is achievable in a few steps with SFCU

  • 1

    Complete an application

    Apply with one of our expert Mortgage Specialist

  • 2

    Get an answer

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Buy your home

    With your mortgage funds you can purchase your home

Contact a Mortgage Specialist


Have a question? Get in touch with us

Low initial rates make homebuying more affordable

The home you need is within reach with an Adjustable Rate Mortgage from SFCU. ARM loans typically have lower rates for the initial fixed period, making it easier to afford the home you need.

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