Adjustable Rate Mortgage

Don't miss out by moving too slow



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.

  • Save up to $499*
  • 10/1 ARM as low as 3.375% / 3.528% APR*
  • No Loan origination fee


*APR = Annual Percentage Rate. Based on 80% Loan-to-Value, the initial interest rate of 3.375%, and a loan amount of $250,000, the first 120 payments would be $1,105.24. 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 April 3, 2017, the index is 1.00% 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. Waiver of Loan Origination Fee of $499 on First Mortgages with Scient Federal Credit Union. Offers valid 5/1/17 – 6/30/17. This is a limited time offer and may be canceled at any time. 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. 


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