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5/5 Adjustable Rate Mortgage

The low payments of a traditional adjustable-rate mortgage combine with low adjustable caps for greater rate security.

The 5-Year Adjustable Rate Mortgage (ARM) at Star One Credit Union—starting at 4.250% interest rate and a 5.424% APR1.

The 5/5 ARM combines lower initial payments with an extended period between rate and payment changes for greater rate security than traditional a ARM. This loan is best for homeowners that are willing to trade some risk of future interest rate increases for a lower start rate.


  • Lock in today's interest rate for at least five years
  • Lower start rate compared to fixed-rate options
  • Period and lifetime caps limit future interest rates increases
  • Get an extended five-year period for changes in rate and payment compared to the traditional one-year adjustment after the initial interest rate period
  • No prepayment penalty

How the 5/5 ARM works

Your initial interest rate is guaranteed for the first five years. After that, the rate will adjust up or down every five years limited by a 2% period cap and 5% lifetime cap. The 5/5 ARM program is not available for investment properties.

1. APR=Annual Percentage Rate. Current rate 4.250% (5.424% APR) is subject to change. For example on a 30-year 5/5 ARM loan of $500,000, you would make 360 monthly payments. The monthly payment in the first five years would be $2423.25 and would be adjusted after the fifth year.

5/5 ARM mortgage rates start at



(5.424% APR)*

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*Rate of 5.424% APR (annual percentage rate) is subject to change. A sample payment on a 360-month term at 4.250% is $4.92 per $1,000.