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Adjustable-Rate Mortgage

Need a mortgage as flexible as you are? An adjustable-rate mortgage (ARM) may give you exactly what you need.

Apply for an Adjustable-Rate MortgageHome Loan Calculators
Need a mortgage as flexible as you are? An adjustable-rate mortgage (ARM) may give you exactly what you need.
Apply for an Adjustable-Rate Mortgage
Home Loan Calculators

How does an adjustable-rate mortgage work?

An ARM starts with a low, fixed-interest rate period that typically lasts for a few years. After the initial low-interest phase, rates adjust at fixed intervals depending on the market, resulting in either a higher or lower monthly payment. Rate adjustments have caps on how much they can change during the variable period and over the life of the loan.


Happy To Help Stories

Why do our members love being part of OKCU? Find out below.

  • Samantha M.

    Everyone here is fantastic, the service is amazing. The interest rates are great, and I actually feel that I am getting somewhere with my payments, instead of paying interest.

    – Samantha M.

  • Jennifer F.

    OKCU has helped me by allowing me to condense our debts down with low interest rates so that I could free up my budget.

    – Jennifer F.

  • Candice W.

    OKCU has been so great and has always worked hard to get us the loans we need, when it seemed impossible you made it possible! Thank you so much for years of satisfaction.

    – Candice W.

  • Jason B
    Recently did a refinance and couldn't be happier. Great rates, great options, fantastic service.

    – Jason B.
    ​Member Since 2011
  • Lynda M.

    Most finance companies won't even consider giving a loan to a young adult. But with OKCU, you have taught my son about building credit and the responsibility of having a loan.

    – Lynda M.

  • Jerry S.

    I have had several instances over the years when OKCU has helped me get through a financial pinch. The most recent situation was not a need but a want. OKCU allowed us to borrow the funds to take a dream vacation!

    – Jerry S.

  • Essie J.

    When I was concerned about my credit score, a loan officer sat down and explained how credit worked and what to do to help raise my score.

    – Essie J.

  • Daniel D
    We shopped around for rates and found OKCU to be the best. With local, high quality service, we will definitely use them again for future banking needs.

    – Daniel D.
    ​Member Since 2018
  • Luis M
    OKCU has competitive rates (the lowest I've seen in the metro), great customer service, a quick approval process and an easy auto loan process.

    – Luis M.
    ​Member Since 2003