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Find more home loan options in our Resource Center

Adjustable Rate Mortgage (ARM) Options

5/5 ARM*

  • As low as a 3% down payment for loans up to $850K**
  • $500 credit toward closing costs and no lender fees!***

5/5 ARM* - No Cost

  • Only 20% down payment up to $850K****

ARM Key Features for BOTH options:

  • lower initial rates
  • lower monthly payment during the first five years
  • greater payment stability; changes occur every five years vs. annually
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice. Other restrictions may apply. Call for complete details.

*ARM = Adjustable Rate Mortgage. “5/5” means the initial APR and initial payment schedule will not change for the first 5 years, but your APR and/or payment schedule may change every 5 years thereafter.

**3% down available for loan amounts up to $850,000 for qualified borrowers. Loan limits and other loan qualification criteria apply.

***A First Mortgage application must be funded at First Financial Credit Union to qualify for the $500 credit. There are no loan origination or lender fees. Other third party fees may apply.

****Maximum covered costs not to exceed $10,000. Covered fees as applicable: Appraisal Fee, Recording Fee, Flood Certificate Fee, Credit Report, Loan Documents, Escrow & Sub Escrow Fee, Title Lender Policy & Tie-In Fee, Messenger Fee, Wire Fee, Tax Service Fee, Notary, Pest Inspection Fee. Fees not covered: Pre-Paid costs such as interest, taxes, Mortgage Insurance Premiums, HOA dues, Hazard or Flood Insurance, Owner's Title Insurance, Transfer Taxes, Impound accounts. Discount Points are not allowed.

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