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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.

Benefits of an ARM


See if an adjustable-rate mortgage is right for you

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

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.

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.

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.
OKCU has helped me keep everything going smoothly with my mortgage. OKCU just makes my life easier.
Absolutely wonderful experience with my loan. Competitive rate, complete transparency, availability to answer questions, no pressure tactics.
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Average Closing Time
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OKCU Real Estate Team Experience