Lower Rates Now + Adjusted Payments Later
The 5/6 Adjustable-Rate Mortgage is a financing option that offers a low fixed interest rate for the initial 5 years of the loan and then adjusts every 6 months for the remainder of the term. The flexible structure of this loan allows homeowners and potential homeowners the opportunity to take advantage of lower rates compared to a standard fixed rate loan early on in the loan term, and is a great option for homeowners who are planning to sell or refinance their home within a few years.
Why choose an adjustable-rate mortgage?
With an ARM, you have the option of financing a new home with lower initial monthly payments with a traditional fixed rate mortgage.
An Adjustable-Rate Mortgage might be right for you if...
- You expect your income to increase.
- Anticipate needing to sell or plan to refinance in the near future.
- It can also work well for those looking to refinance their current loan.
What to expect after you apply:
We want you to feel prepared as you navigate this application process. Download this checklist to learn about what you'll need to have on-hand once you've hit "submit".
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5 year fixed-rate.
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30-year total term.
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Minimum loan amount $25,000.
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Maximum loan amount varies.
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No pre-payment penalties.
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After initial 5 year period, conversion option available.
Book an appointment and skip the line!

Ready to get started?
Take advantage of a mortgage loan option with lower initial payments and begin your application, today.
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1If you're not currently a member, review eligibility.
Anyone who lives, works, worships or attends school in certain select counties may join. View our "Become a Member" page for full eligibility.
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2Make sure you have everything you need.
Download our "next steps" checklist and review the required materials.
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3Complete loan application.
When you're ready, complete the online application or visit your local branch to apply in person.