Start Lower for the First Five Years
The 5/5 ARM gives you a lower initial interest rate fixed for five years, then adjusts only once every five years - far fewer changes than a traditional annual ARM. A smart fit if you value a lower start.
A Lower Start, With Room to Plan
The 5/5 ARM pairs a lower opening rate with long, predictable stretches between any change. Here is what that means for your payment.
Open at a Lower Rate
The 5/5 ARM opens with an interest rate that is typically lower than a comparable fixed-rate mortgage, which can mean lower initial monthly payments. Your rate is locked for the first five years.
- Lower initial interest rate
- Lower initial monthly payments
- Rate fixed for the first 5 years
- 30-year term
Fewer Changes, More Stability
After the initial five-year period, the rate can adjust once every five years based on market conditions. Compared to a traditional ARM that adjusts annually, the 5/5 structure gives you far more stability and time to plan.
- Adjusts once every 5 years
- Based on market conditions
- More stable than an annual ARM
- Predictable planning windows
A Smart Fit for the Right Plan
A 5/5 ARM makes sense if you expect to own your home for a shorter period, want to take advantage of a lower initial rate, or expect rates to stay stable or fall. Put as little as 3% down with PMI.
- Good for shorter ownership horizons
- Take advantage of a lower start
- As low as 3% down with PMI
- Flexibility if you plan to move or refinance
What Could Your Payment Look Like?
Try the numbers before you talk to anyone. These estimates are for education only - your Home Loan Consultant will walk you through the real thing.
Fixed-Rate Mortgage Calculator
Estimate a monthly payment on a conventional fixed-rate mortgage, including taxes and insurance.
VA Loan Calculator
Estimate a VA loan payment with zero down, including the VA funding fee financed into the loan.
These calculators are for education and illustration only. They are not a loan application, rate quote, offer, or commitment to lend, and results are estimates that exclude PMI where applicable. The fixed-rate calculator estimates an initial fixed payment only; it does not show how an adjustable-rate (ARM) payment can change or include FHA mortgage insurance premiums. Interest rates shown are editable examples, not ACU rates - see current rates and fees or talk with a Home Loan Consultant. VA funding fee percentages follow the published VA schedule (first use with less than 5 percent down: 2.15 percent; subsequent use: 3.3 percent; 1.5 percent with 5 to 9.99 percent down and 1.25 percent with 10 percent or more down); verify your fee and exemption status at va.gov. All loans subject to credit approval. NMLS #449181. Equal Housing Lender.
Built for a Lower Start
The 5/5 ARM combines a lower opening rate with long, predictable stretches and a local team behind you.
Lower Initial Rate
Open at a rate typically lower than a comparable fixed-rate loan.
5-Year Fixed Start
Your rate is locked for the first five years, so early payments stay steady.
Adjusts Only Every 5 Years
After the fixed period, the rate can change once every five years, not annually.
3% Down Option
Put as little as 3% down with PMI and get into your home sooner.
30-Year Term
Spread payments over a full 30 years for a manageable monthly amount.
Local Guidance
A South Sound loan team walks you through every step and stays close after closing.
Three Steps to a Lower Start
From your first estimate to closing day, a local team handles the details with you.
Compare the Numbers
Use the calculator to see your initial payment.
Get Pre-Qualified
Apply online or call a local loan officer.
Lock and Close
Lock your initial rate and your team guides you to closing.
“ACU made our home buying process smooth and stress-free. Their mortgage team went above and beyond, and we closed on time with zero surprises.”
5/5 ARM FAQ
Answers to the questions members ask most about the 5/5 adjustable-rate mortgage.
Disclosures
The 5/5 ARM is an adjustable-rate mortgage; the interest rate is fixed for the first five years and may adjust every five years thereafter based on an index plus margin, which may increase your payment. All loans subject to credit approval. Rates and terms subject to change without notice. PMI may be required for down payments under 20%. Property insurance required. Calculator results are educational estimates, not a rate quote or commitment to lend. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.
Lower Now, Stable for Years
See your initial payment with the calculator, then get pre-qualified with a local loan officer.