Adjustable Rate Mortgage


Enjoy Lower Rates with a Scient 10/1 Adjustable Rate Mortgage.

Enjoy all of the following when you’re approved: 

  • Fixed rate for 10 years
  • Thereafter, interest rate cannot increase or decrease more than 2.00% APR* on an annual basis
  • No pre-payment penalty
  • Interest rate cannot increase more than 5.00% APR* above the start rate
  • Rates as low as 3.875% – 4.521% APR* 

Scient Federal Credit Union’s Adjustable Rate Mortgages allow you to get a lower rate than standard fixed rates early on, with a fluctuating interest rate that changes at a certain time depending on the term you choose.


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*APR = Annual Percentage Rate. Based on 80% Loan-to-Value, the initial interest rate of 3.875%, and a loan amount of $250,000, the first 120 payments would be $1,175.59. This payment does not include amounts for taxes and insurance premiums, and your actual payment obligation will be greater. The interest rate can change on the first of the month following the initial 120 months of the loan, and on that day every 12th month thereafter (Change Date). On each Change Date, your interest rate will equal the current index (the weekly average yield on the one-year United States Treasury Bill) plus the margin rounded up or down to the nearest 0.125%. As of December 13, 2018, the index is 2.70% and the margin is 2.75%. The rate can never increase or decrease more than 2% on any Change Date, may never be lower than the initial rate, and may never increase more than 5.00% above the initial rate for the term of the loan. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Other terms and conditions may apply. See credit union for details