The index used to determine payments for Adjustable Rate Mortgages (ARMs) is changing.
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Adjustable Rate Mortgages (ARMs) provide an initial interest rate that is lower than the average fixed rate mortgage. 


Adjustable Rate Mortgages 

The lower rate provides you with an initial lower payment, which translates into increased purchasing power. CFCU Credit Union ARM's are available in 15-, and 30-year terms and provide an initial fixed rate period of 1, 3, 5, 7, or 10 years before the rate adjusts. The interest rate can adjust annually thereafter.


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CFCU Non-Traditional ARMs

CFCU also offers 3/3 and 5/5 ARMs. Instead of the payment adjusting annually after the initial fixed rate period, we provide our members with the added stability of longer adjustment periods of three and five years. This means your loan is subject to less frequent rate changes when compared to a typical ARM.


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