COVID 19 Information: Learn more about our ongoing response, account assistance, digital account access and more.
Drive Thrus Open - All Lobbies Temporarily Closed for Walk In Transactions - Branch Staff Assistance Available by Email & Phone.

Adjustable Rate Loans

Don't pay an ARM and a leg in mortgage interest. Review Rates

Adjustable Rate Loans

Don't pay an ARM and a leg in mortgage interest. Review Rates

An Adjustable Rate Mortgage (ARM) is ideal if you are looking for lower monthly payments initially. After the initial loan period, your rates will adjust to the current market rate. An ARM is best suited for borrowers who plan to own their home for a short period of time or have a significantly larger income in the future.

Even if you already have an adjustable rate mortgage, there may be an opportunity to refinance your ARM loan for a better rate.

  • Available in 3/1, 5/1, 7/1 and 10/1 terms
  • Lower monthly payments
  • Online tax statements
  • Make payments over the phone or online

Mortgage Refinance Calculator-ARM
View payment terms and options 

ARM= Adjustable Rate Mortgage
ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments.
Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Rates and points vary widely for loan amounts above $453,100** (see below), and/or for investment property loans.
**Jumbo rates are for loan amounts exceeding $453,100 ($679,650 in Alaska, Hawaii, Guam and the U.S. Virgin Islands). For properties in New York, add .250 loan origination fee.
Taxes and insurance not included, therefore the actual payment obligation will be greater. Your actual rate may be higher depending upon your creditworthiness.

 

Get the Latest News

For Sale sign by mailbox

10 Tips to Get a Home Ready for Sale

Preparing to sell your home can be difficult. You have to create enough ambiance so that buyers can envision themselves living there but make sure it’s not so cluttered that all they see is you.
Continue to Article
bring dream kitchen to life

Four Ways to Bring Your Dream Kitchen to Life

The kitchen is the heart of the home. It’s where we spend many hours whipping up delectable dishes to please every palate and food plan.
Continue to Article
Child dancing in living room

Four Things To Do Before Buying a Home

As exciting as it is to buy a home, the lead-up can be a dizzying experience, especially for first-time buyers. But don’t fret. Breaking down the process into smaller steps can help ease your anxieties.
Continue to Article
Leaving Advancial.org
You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
Equal Housing
We do business in accordance with the Federal Housing Law and the Equal Opportunity Act.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
NCUA
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
My Loan Applications
You are leaving www.advancial.org and entering the Loan Applications site.
Continue