Adjustable Rate Mortgage


Enjoy Lower Rates with a Scient Adjustable Rate Mortgage.

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

Enjoy all of the following when you’re approved: 

  • Fixed rate term options at 3 years, 5 years, 7 years or 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 3.676% – 4.001% APR* 


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*APR = Annual Percentage Rate