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Routing # 211885946

Adjustable Rate Mortgage

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Start Low, Dream Big

Our Adjustable-Rate Mortgage (ARM) offers lower initial payments to help you get into your dream home today, with rate protection built in.

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Lower Payments

Start with significantly lower monthly payments compared to a fixed-rate loan.

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Buy More House

Reduced initial payments may help you qualify for a larger loan amount.

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Rate Protection

Built-in caps limit how much your rate can increase per adjustment and over the life of the loan.

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Flexible Options

Refinance to a fixed rate later, or pay off early without penalty.

Choose Your ARM Term

Find the option that fits your timeline

5/1 ARM

Lowest Rate
5 years fixed, then adjusts annually. Rate is fixed for the first 5 years of the loan; after that, the rate may vary annually. Perfect if you plan to move or refinance within 5 years.
Best for: First-time buyers, short-term owners, those expecting income changes

7/1 ARM

Popular Choice
7 years fixed, then adjusts annually. Rate is fixed for the first 7 years of the loan; after that, the rate may vary annually. A balance of stability and savings for medium-term plans.
Best for: Growing families, career professionals, 5–10 year homeowners

10/1 ARM

Most Stable
10 years fixed, then adjusts annually. Rate is fixed for the first 10 years of the loan; after that, the rate may vary annually. Maximum stability while still accessing lower rates than a 30-year fixed.
Best for: Established families, long-term planners wanting a decade of predictability

How It Works

Simple steps to understand your ARM

1

Intro Period

Start with a low fixed rate for your chosen term (5, 7, or 10 years) and enjoy predictable, lower payments.

2

Rate Adjustments

After the intro period, your rate adjusts annually based on the 5-Year Treasury Constant Maturity index plus a margin, limited by protective caps.

3

Your Options

Refinance to a fixed rate, make extra payments, or pay off early whenever it makes sense for you.

ARM vs. Fixed

See how our ARM compares to a traditional 30-year fixed mortgage

Our ARM

  • Lower initial rate
  • Lower initial payment
  • Savings in the early years
  • Rate adjusts after the intro period
  • Annual and lifetime rate caps

30-Year Fixed

  • Higher initial rate
  • Higher initial payment
  • No early-years savings
  • Rate never changes
  • Predictable payments for the full term

Start Your Application Today

Get a personalized rate and payment estimate in minutes

Get My Rate Quote Call (413) 733-2800 Visit a Branch
Equal Housing Lender

Federally insured by NCUA.

Rate & Payment Details: This ARM features an initial fixed-rate period (5, 7, or 10 years) followed by annual rate adjustments based on the 5-Year Treasury Constant Maturity index plus a margin. Rate increases are limited to 2% per adjustment period and 6% over the life of the loan, with a floor rate of 2.75%. Actual rates vary by creditworthiness, loan amount, and market conditions; refer to the current rate sheet.

Qualifications: Credit score, debt-to-income ratio, down payment, and employment verification required. All loans are subject to credit approval and property appraisal.

Equal Housing Lender. This credit union is federally insured by the National Credit Union Administration.

Adjustable Rate Mortgage (ARM) Disclosures

Payments do not include amounts for tax and insurance premiums (including flood insurance), if applicable, and the actual payment obligation may be greater

Maximum 95% LTV for purchases
PMI will be required over 80% LTV
Adjustable rate mortgages use the 5 Year Treasury Constant Maturity as the index, caps 2% and 6% and a floor of 2.75%

5/1 ARM has an interest rate that is initially fixed for five years then adjusts annually thereafter

7/1 ARM has an interest rate that is initially fixed for seven years then adjusts annually thereafter

10/1 ARM has an interest rate that is initially fixed for ten years then adjusts annually thereafter
No point Adjustable-Rate Mortgage payment based on $150,000.00 at 6.909% APR for 30 years is $851.69 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance. A rate lock fee will apply. Up to 95% LTV.

*APR = Annual Percentage Rate;
APY = Annual Percentage Yield;
Terms and conditions apply.
Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.