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5/5 ARM Home Loans

Mortgage rates are rising! Our 5/5 ARM may be the peace of mind you need.


Explore what a 5/5 ARM could mean for affordability.

With mortgage rates rising, every increase can make your payments harder to afford.  With our 5/5 ARM you can lock in a lower rate and get a more favorable interest rate to purchase more home for less.

Our 5/5 ARM features:

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    A more affordable rate and up-front savings.

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    Mortgage rate only adjusts every 5 years.

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    No prepayment penalty if refinancing later.

A 5/5 ARM may be the right solution for you!

  • Purchasing or refinancing, but concerned about rising rates?
  • Did you lose your mortgage pre-approval to a recent rate increase?
  • Making a life change within the next five years or looking to flip a house?

Call Today or Apply Online

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*This offer is available to all qualified borrowers on a conventional 5/5 Adjustable-Rate Mortgage (ARM) loan product with United Teletech Financial Federal Credit Union (UTFFCU). The amortization period is 30 years (360 monthly loan payments). The initial rate is set at current 5-year Constant Maturity Treasury Index (5-Yr CMT) plus a loan level adjustment based upon borrower qualification and collateral condition (the margin). The rate adjusts every five years beginning with the 61st payment month based upon the then 5-Yr CMT plus the margin. The rate cannot increase more than 2% for any periodic adjustment or 6% for the life of the loan. AII lending products provided by UTFFCU are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. This is not a commitment to lend. This product may not be combined with any other promotion or discount points. Additional restrictions may apply. United Teletech Financial Federal Credit Union is located at 305 Hance Avenue in Tinton Falls, NJ 07724. Contact our lending team at 866-462-5532; NMLS ID# 402779. Equal Housing Opportunity. Federally insurance by NCUA.