Flexible Home Financing with an Adjustable Rate Mortgage
Enjoy Lower Initial Rates & Future Flexibility
Unlock homeownership savings with an Adjustable Rate Mortgage (ARM) from Unison Credit Union. Enjoy a lower fixed interest rate for 3, 5, or 7 years with terms up to 30 years—giving you time to plan, grow, and invest in your future. Whether you're a first-time buyer or looking to refinance, our ARMs help you start living the life you want with more financial freedom.
Why Choose Unison for Your ARM?
- Expert Guidance – Our Member Advisors help you secure a rate and payment that fits your lifestyle.
- Flexible Payment Options – Bi-weekly payments are available to help you pay down your loan faster.
- No PMI on Select Loans – Save more with mortgage options that don’t require Private Mortgage Insurance.
- Long-Term Stability – Mortgage terms available up to 30 years for lasting financial security.
- Fast & Simple Process – Get quick approvals with no pre-payment penalties.
When Would I Pick an ARM Home Loan?
Also called an Adjustable Rate Mortgage, ARMs typically can offer lower initial rates than fixed rate mortgages. They may be attractive to buyers who intend to move or refinance at some point in the future, or if interest rates are trending down.
Unison offers many Adjustable Rate Mortgage Options!
Fixed and Adjustable Rate Mortgages
| New Home and Advantage Home Loans1 |
Rates
as Low
as*
|
APR as Low as*
|
Monthly
Payment
|
|---|---|---|---|
| 10 Year Fixed Rate Mortgage Loan | 5.75% | 5.836% | $1,866 |
| 15 Year Fixed Rate Mortgage Loan | 5.875% | 5.936% | $1,423 |
| 30 Year Fixed Rate Mortgage Loan | 6.50% | 6.538% | $1,075 |
| 3 Year ARM (Adjustable Rate Mortgage) Loan2 | 5.50% | 6.364% | $965 |
| 5 Year ARM (Adjustable Rate Mortgage) Loan2 |
5.75% | 6.308% | $992 |
|
7 Year ARM (Adjustable Rate Mortgage)
Loan2
|
6.00% | 6.334% | $1,019 |
*As low as rate ranges may change daily and represent only the best possible rates offered for various loan products to borrowers with a credit score of 720 or higher. Individual rates will vary based on your “Tri-merge” (mortgage) credit score(s), the specific loan purpose and product selected, loan amount, and downpayment. Call or see a Mortgage Loan Officer for more details. Published rates do not constitute a loan offer; all loans are subject to approval and the meeting of eligibility requirements. Unison Credit Union, NMLS ID 458614, is an Equal Housing Opportunity lender.
1 Additional conditions may apply; Home Advantage loans are sponsored by the Federal Home Loan Bank. In house loans also available at other rates. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
2 Adjustable-Rate Mortgages (ARMs) are variable rate loans with terms of 3/1, 5/1, or 7/1. After the initial 3, 5, or 7 year fixed period ends, that rate can change yearly. For example, the interest rate on a 3/1 ARM is fixed at the advertised rate for only 3 years, after which the rate can change yearly for the remainder of the loan. The changes are subject to the following caps: annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. The new interest rate will be determined by adding the rate of the 1-Year Treasury Bill (index) to a margin. The margin = 2.75% for non-Home Equity and Construction ARMs and is 3.50% for Home Equity ARMs. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
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Enjoy low rates, exciting rewards, and the ease of contactless payments with our credit cards. Whether you're looking to save on interest or earn cashback on everyday purchases, we have the perfect card for you. Flexible, secure, and designed with your financial goals in mind—tap, pay, and go!
Unlock Your Home's Potential
Discover the power of your home’s value with our Home Equity Line of Credit (HELOC). Open the door to money-saving opportunities to make home improvements, consolidate debt, purchase a vehicle or pay for college tuition.
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms.
†For homeowners with a new or existing Unison mortgage and checking account. Individual rate, terms and loan approval subject to credit review and membership eligibility. Loan is unsecured and is not a mortgage product. Requires proof of income and owner-occupied property. $30,000, maximum loan.
