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Adjustable Rate Mortgages

ARMs typically have lower starting rates and payments than fixed-rate mortgages.

At a Glance

Whether you’re a first-time homebuyer looking to purchase your dream house, or you’re simply refinancing, DCU’s Adjustable Rate Mortgages (ARMs) provide a range of options.

Features / Benefits

Regular and Jumbo Mortgage options available – For home purchases, borrow for 1 to 4 family primary residences.
Free pre-qualification – Make an offer on your home knowing you have been pre-qualified for a mortgage.
Lower payments and starting rates - Depending on the option you choose, your principal and interest payment and rate will be fixed for the first 5, 7, or 10 years and then variable and can change periodically after that.
Competitive mortgage insurance premiums
60-day rate lock – Don’t lose out on that low rate as you go through the mortgage process!
DCU service for the life of the mortgage – We’ll service your loan as long as you have it. No need to worry about making payments to a different lender or prepayment penalties.
Online access Manage your account through online and mobile banking from anywhere.
As Low As
2.76% APR
4 4 / 5 stars


5/1 ARM
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Get a personalized quote just for you.
Get a personalized quote just for you.

Plan for Your Mortgage

Choose from our easy to use calculators to help you manage or plan for your mortgage or home equity loan.

What Our Members Are Saying

Just what we needed

RATINGS 5 5 / 5 stars

The fact that DCU has the option to have a 90% LTV Home Equity Loan product game changer, and was the main deciding factor on choosing DCU. The service by all parties involved was fantastic. Highly recommend!

Michael – East Taunton, MA


Amazing service

RATINGS 5 5 / 5 stars

So easy to apply. Questions were answered quickly and in their entirety. Every step was explained. We closed early. We would definitely recommend DCU to anyone!

Pinepup – Phoenix, AZ


Great loan process & best rates

RATINGS 5 5 / 5 stars

DCU was a standout among all other lenders. The loan process was easy and fast, and they had the best rate by far. They also provided great support and were responsive throughout the process.

Chris – Louisville, KY


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