Get up to 2.50% APY* with a Money Market Checking account.
Get up to 2.50% APY*

Get up to 2.50% APY* with a Money Market Checking account.

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Adjustable Rate Mortgage (ARM)

Apply for a mortgage as flexible as you are.

How does an Adjustable-rate Mortgage Work?

 

An ARM starts with a low, fixed-interest rate period that typically lasts for a few years and then transitions to an adjustable-rate period. After the initial low-interest phase, rates adjust 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 adjustable period and over the life of the loan.

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Benefits of an ARM

 

See if an adjustable-rate mortgage is right for you

Apply for a ARM
Lower interest rate

An introductory fixed-rate period which offers a predictable, low interest rate

Fast and easy closing

Our average closing time is 22 days. Plus, we are a part owner of First Rate Title, so closing is a breeze!

Personalized process

You will have a dedicated home loan officer throughout the entire process

Flexible terms

Up to 30-year terms available

Apply for a ARM

Meet the Home Loan Team

The OKCU team is Happy to Help® you find the right home loan whether it’s your first time to buy a home or you’re a seasoned pro.

Meet the Team
Run the Numbers

If you’re a numbers person, we’ll help you nerd out and run the numbers for you for free. Schedule an appointment to run the numbers to see what home loan options you have.

Schedule an Appointment

Happy to Help

OKCU did a flawless job on our home loan. They walked us through every step of the process and made sure we had everything we needed to close promptly and without a hiccup.
Daniel D.
Member Since 2018
OKCU has helped me keep everything going smoothly with my mortgage. OKCU just makes my life easier.
Dennis F.
Absolutely wonderful experience with my loan. Competitive rate, complete transparency, availability to answer questions, no pressure tactics.
Abhijeet K.
When my husband and I first arrived in America, we were filled with hope and ambition, but our financial situation was far from ideal. With a zero credit score, our dreams of owning a home felt out of reach. With OKCU's support, we were able to purchase our first home—a place where we could start our small family and build a future together. They didn't just help us buy a house; they helped us turn our dreams into reality.
Zynab A.
I had a home mortgage with seven years left on a 15-year mortgage. My husband and I decided to make an appointment with OKCU to discuss refinancing to a 5-year loan. Once my husband and I were in the office doing the paperwork, he asked "Why would you want to save us money?" The mortgage officer responded, "Because we are here to help you save money. That's what we do!" Since then, we have refinanced and paid off our home.
Carol D.
OKCU reached out and helped me refinance my home during the pandemic. I was able to save money on my monthly mortgage payment and reduce my interest rate by a lot. Everyone I have interacted with at OKCU has gone above and beyond to help with all of my needs.
Brian B.
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Average Closing Time
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OKCU Real Estate Team Experience