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Adjustable Rate Mortgages (ARM)

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Adjustable Rate Mortgage

An Adjustable Rate Mortgage provides more house for the same payments as a traditional mortgage.

Here’s how an Adjustable Rate Mortgage – or ARM, for short – is different than a traditional mortgage…

  • A traditional mortgage comes with a fixed interest rate that never changes and an Adjustable Rate Mortgage* comes with a rate that’s guaranteed not to change for a certain number of years. After that, it changes to a variable rate that goes up and down, based on the market.
  • An ARM with UCCU comes with the peace of mind of knowing that your loan is safeguarded by policies that are designed to protect you, like UCCU’s Rate Inflation Protection.
  • An ARM comes with an initial rate that’s LOWER than a conventional mortgage. A lot lower. In fact, the average homeowner can get on average 10% MORE HOUSE with an ARM for the SAME PAYMENT as a conventional loan.**
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Simply put, an Adjustable Rate Mortgage gives you more Purchase Power than a traditional mortgage. And that means more money you can put into your home, or back into your pocket.

*Adjustable Rate Mortgages (ARMs) have an initial fixed rate period of time and then change to a variable rate thereafter. Your Annual Percentage Rate (APR) may increase after the original fixed-rate period. Financing is subject to UCCU membership and underwriting criteria. Not every applicant will qualify. Property insurance is required. Some restrictions apply. Equal housing lender. NMLS # 407653. Insured by NCUA.

**10% more house is the average savings calculated on a $300,000 single-family residence comparing conversional rates to ARMs with rates as of 11/10/22 resulting in $189 per month savings on rate. Contact UCCU for details. Terms and rates may change at any time and without notice. Equal housing lender. NMLS # 407653. Insured by NCUA.

UCCU offers all types of mortgage, construction, and home equity loans:

Providing Low Rates Is Our Highest Priority

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