Pure Plus ARM Loans

Own your dream home! Zero down and zero PMI – start packing with the Pure Plus ARM Loan today!

Apply Now
A young family with a small daughter looks out the window in their new home in the Pacific Northwest, financed with a credit union ARM loan.

Looking to buy a home but saving for a down payment feels like a distant dream? America’s Credit Union Pure Plus ARM Loan can help you unlock the door to homeownership with zero down payment and no PMI required. This 5/5 adjustable-rate mortgage offers a competitive fixed rate for the initial 5 years, giving you time to settle in and potentially build equity. Don’t let a down payment hold you back – start packing today with ACU’s Pure Plus ARM Loan!

Why Pure Plus ARM Loans?

The Pure Plus ARM Loan is designed to make homeownership a reality for first-time buyers or those who haven’t saved a traditional down payment.

Here’s what makes it so attractive:

Zero Down Payment

Forget the stress of saving a hefty down payment. The Pure Plus ARM lets you move in with nothing down.


You won’t need to pay private mortgage insurance, saving you money each month.

Competitive Fixed Rate for 5 Years

Enjoy peace of mind with a locked-in rate for the initial loan term, allowing you to budget confidently.

Flexibility After 5 Years

The adjustable rate allows for potential adjustments after the initial fixed-rate period, based on market conditions.


See Our Low Rates For Yourself!

Rate as of: June 06, 2024


5/5 ARM-Pure Plus-100%LTV





Click the button below to view our full list of ACU Mortgage and Home Loan rates.

View Rates


Our Application Process is Simple!

Step 1 Apply OnlineFill out our quick and easy online application. We’ll check your credit score and other information you give us to see if you qualify for a Pure Plus ARM loan.
Step 2 Get PrequalifiedOnce your application is approved, we’ll let you know your home loan amount, and you’re ready to start making offers.
Step 3 Call Your Home Loan ConsultantFound the perfect house? Contact us and we’ll help you navigate the process of closing on your house.

Get Started


“I love ACU DuPont. I had an account with them for my small business and after it sold, I continue to bank with them personally. They know me by name and are always very nice and courteous. I love the small, tight-knit homey feel of this branch. Highly recommend!”

-Olivia H.


“Best credit union ever! They’re so helpful. Shelby did great on my loan and got me a killer rate. The supervisor Stephanie and the manager Trevor are so helpful and kind, they always greet me by name when I walk in the door. They have a great team here and if I didn’t love my job, I’d be in line to apply.
ACU has my business for life”


Pure Plus ARM Loan FAQ

Is the Pure Plus ARM Loan right for me?

The Pure Plus ARM Loan is a great option for first-time homebuyers or those who haven’t saved a traditional down payment. It’s ideal if you can comfortably afford the monthly payments and are aware that the interest rate may adjust after the initial 5-year fixed-rate period.

What if I don't have perfect credit?

While America’s Credit Union offers competitive rates for members with good credit, they do consider applications from borrowers with a wider range of credit scores. Minimum credit score requirements may apply, so be sure to contact ACU to discuss your eligibility.

How long does the loan approval process take?

The loan approval process can vary depending on your individual circumstances, but America’s Credit Union strives to make it as efficient as possible. Generally, you can expect the process to take anywhere from 30 to 45 days.

What are the closing costs associated with the Pure Plus ARM Loan?

Closing costs typically include origination fees, appraisal fees, title insurance, and other third-party charges. America’s Credit Union can provide you with a Loan Estimate upfront, outlining the estimated closing costs associated with your specific loan scenario.

What happens after the initial 5-year fixed-rate period?

The interest rate on your Pure Plus ARM Loan will adjust every 5 years thereafter based on a financial index and a margin set by America’s Credit Union. ACU will notify you in advance of any potential rate adjustments. It’s important to factor in the potential for rising interest rates when considering an ARM loan.

Can I pay off my Pure Plus ARM Loan early without penalty?

Absolutely! America’s Credit Union offers a Pure Plus ARM Loan with no prepayment penalty. This means you can pay off your loan early in full, or make additional principal payments towards the loan balance, without incurring any fees.

Can I use online and mobile banking to check on my loan?

Sure! With online and mobile banking, you can access eStatements, eNotifications, eAlerts, and other convenient features that will make your loan experience as smooth and stress-free as possible.

Do I have to be a member of America’s Credit Union to be eligible for a Pure Plus ARM Loan?

While America’s CU loans and competitive rates are only available to our members, membership is open to almost everyone! You are welcome to join us if you live, work, worship, or attend school in the Pacific Northwest!

Additionally, membership is open to all members and employees of the Armed Forces and their relatives, members of the Association of the United States Army, and members of the Pacific Northwest Consumer Council (PNWCC).

Learn more about joining and membership eligibility here.


Additional ACU Loan Options

In addition to jumbo mortgages, ACU offers a range of products and services Check out some of our additional lending options!

Home Equity Loan
If you’re already a homeowner, a home equity loan can put your equity to work for you to accomplish home improvement projects and more.Learn More 
Home Equity Line of Credit (HELOC)
Similar to a home equity loan, a HELOC lets you borrow from a revolving line of credit, only what you need, when you need it.Learn More
Personal Loan
It’s all in the name! Borrow to pay for whatever you want, whether it’s to cover the cost of an unforeseen expense, a big event, or to turn a dream into reality.Learn More



*APR = Annual Percentage Rate.

Rates and fees are based on occupancy status, LTV, and credit and are subject to change at any time. Please contact the Mortgage Department with any questions.