Adjustable Rate Mortgage

Don't miss out by moving too slow


Mortgage Solutions
Fixed Rate Mortgage
Adjustable Rate Mortgage
SmartChoice Mortgage
Jumbo Mortgage
Reverse Mortgage
No-Closing-Cost Option


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




Today's Featured Rates
View today's mortgage rates.
Online Application
Eliminate the paperwork with our convenient online application.
Rate Watch
Sign up for Rate Watch and get notified via email when the interest rate or payment you are seeking becomes available.
Rate Lock
Lock in your rate and no longer worry about changing interest rates.
Home Insurance
Our TruStage Home Insurance offers exclusive rates on top-quality insurance policies for Scient members.
Check Rates
Answer a few questions and receive a rate quote from our loan consultant, or contact a mortgage representative.
Free Credit Report
Request your free credit report and keep up-to-date on your credit status.
Financial Wellness
Obtain financial guidance using our financial wellness resources.
Having Payment Challenges?
We may be able to help.
Home Owner's Insurance Claim Package
This guide provides information to help access your insurance funds for home repairs. As a valued member, we want to make the process
as quick and easy as possible for you. Scient has a security interest in the property and will require certain documents to release funds.


Scient Service Centers will be closed Monday, May 29 in observance of Memorial Day.