Home Loan Center


Adjustable rate loans have interest rates that remain fixed for a set period of time and the lower interest rate affords you lower payments.

  • Adjustable Rate Loans up to $2 million
  • Annual Percentage Rate (APR) Based on Loan Amount of $453,100

5/1 ARM

We're Giving You the Right ARM (Adjustable Rate Mortgage) for Your Home! Who doesn’t want a low monthly mortgage payment? Our 5/1 ARM loan may be the perfect solution for you! With an ARM, you’ll have one of the lowest fixed payments for the first 5 years. Thereafter, your rate and payment will adjust based on the LIBOR (London Interbank Offered Rate) market index rate.

So if the market rates go down, so does your rate! The 5/1-ARM would be perfect if the following applies within the next 5 years:

  • Plan to sell your home and move up to your dream home with lower payments
  • Refinance your current mortgage to reduce payments
  • First-time buyer – enjoy your first home without a huge mortgage payment shock
  • Upcoming Major expenses such as wedding, vacation, retirement, investment and college tuition

Call us at (866) 459-2345, Option 3 to apply!

*Adjustable-Rate Mortgage:The initial payment on a 30-year, $200,000 5-year Adjustable-Rate. The APR is 3.125%/3.546% APY. During the first 5-years, the principal and interest payment is $856.76. Rate for ARM is variable and may adjust after 5 years based on the LIBOR Market index Rate and the margin of 2.75%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 5 years. Actual rate and terms will vary based on the borrower(s) credit qualifications. Rates and offer are subject to change without notice.

Mortgage Rates

Rates current as of and subject to change.
Mortgage Rates
5/1 ARM Visit the Home Loan Center  
HELOC 10 year draw 20 year amortization 2.490% Intro Rate

Printable Rate Sheet Calculators

Terms and conditions

1Auto loan rates include the following discounts: .25% with direct deposit, .25% with auto pay from a SFCU checking account, .25% if financing ≤ 80% of LTV. Rates listed are the lowest possible rates offered. Actual rate awarded will be based on the borrower's credit qualifications and loan characteristics. Rates are subject to change without notice. All loan rates are subject to change without notice.

2APR=Annual Percentage Rate. All rates subject to change without notice. Individual APRs based on credit score, loan term, loan-to-value (on secured loans).

All loans subject to credit approval. Actual rate on your loan request may vary based on your credit qualifications and loan characteristics. Rates and Products are subject to change at any time. Call our experienced, professional Home Mortgage Loan Officer at (866) 459-2345 ext 357, Monday-Friday 8:30 a.m. - 5:00 p.m. for additional information on LTV's, rate buy-downs and specific loan options. Jumbo Fixed Rate Loans over $453,101 and up to $2 Million