Today's Rates

MortgageRateAPR
20 Year Fixed Bi-Weekly with Auto-Pay 4.200% 4.219%
15 Year Fixed Auto-Pay 3.600% 3.634%
10 Year Fixed Auto-Pay 3.450% 3.499%
1-Year Auto-Pay ARM with 15-Year Term 1.375% 1.407%
1-Year Auto-Pay ARM with 10-Year Term 1.375% 1.422%
3-1 ARM with 15-Year Term 2.125% 1.685%
3-1 ARM with 10-Year Term 2.000% 1.746%
Home EquityRateAPR
15 Year Fixed HE Loan 5.000% 5.000%

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Adjustable Rate Mortgages (ARM)

With low initial rates, and lifetime interest rate change caps, an Adjustable Rate Mortgage (ARM) is a very attractive loan option for many mortgage customers. Typically, an ARM works best for someone who wants:

  • Immediate savings–lower monthly mortgage payments put more money in your pocket to use for investments and other expenses.
  • Longer-term savingspotentially shave thousands of dollars off your total interest paid over the life of the loan.


Apply Online for an ARM

We offer several ARM options. Below are sample monthly payments for our NEW 3/1 ARM with 10-Year and 15-Year terms based upon a $150,000 mortgage. The monthly payment and rate is fixed for the first three years. After that, the monthly payment and rate may adjust annually. 

  • 3/1 ARM, 10-Year term*             $1,380.20
    2.000% (1.746% APR)
  • 3/1 ARM, 15-Year term**            $ 973.92
    2.125% (1.685% APR)

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Product Details for 3/1 ARM

*3/1 ARM with 10-year term
Adjustable-Rate Mortgage (ARM) example: The initial monthly payment on a 10-year $150,000 3/1 ARM at 2.000% and 80% loan-to-value (LTV) is $1,380.20 with zero (0) points due at closing.   The Annual Percentage Rate (APR) is 1.746%. Example payment does not include taxes and insurance, so the actual total payments will be higher. The payment amount will vary depending upon loan amount. The interest rate is variable and changes will be determined based upon an Index plus a Margin.  Principal and interest payment and rate are subject to increase or decrease annually starting after the first three years. After the first three years the annual interest rate change cap is 2.000%, with a lifetime change cap of 4.000% over the first year rate. Loan offer is subject to credit approval. Advertised rate and APR are as of February 21, 2014 and subject to change without notice.

**3/1 ARM with 15-year term
Adjustable-Rate Mortgage (ARM) example: The initial monthly payment on a 15-year $150,000 3/1 ARM at 2.125% and 80% loan-to-value (LTV) is $973.92 with zero (0) points due at closing. The Annual Percentage Rate (APR) is 1.685%.  Example payment does not include taxes and insurance, so the actual total payments will be higher. The payment amount will vary depending upon loan amount. The interest rate is variable and changes will be determined based upon an Index plus a Margin.  Principal and interest payment and rate are subject to increase or decrease annually starting after the first three years. After the first three years the annual interest rate change cap is 2.000%, with a lifetime change cap of 5.000% over the first year rate.  Loan offer is subject to credit approval. Advertised rate and APR are as of February 21, 2014 and subject to change without notice.