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Belco Community Credit Union

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5/5 ARM

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Make Your Move with our 5/5 ARM

Purchase or refinance option with a rate set at 4.99% / 6.242% APR* for the first 5 years. Get started online with an easy application.

Trust the Belco Team with:

  • Competitive rates and closing costs
  • Easy online application
  • Friendly staff to help along your journey

Contact us today to learn how this unique product can benefit you, whether you are looking to buy or possibly lower your monthly payment.

Contact Our Mortgage Team

*Available to all eligible borrowers on the first lien purchase or refinance of a primary and/or secondary residence using a conventional 5/5 ARM loan portfolio product with Belco Community Credit Union. Not eligible on multi-unit properties or manufactured homes. Example scenario, calculated 07/08/2026, assumes excellent borrower credit history and is based on a $360,000 loan amount with 10% cash down payment from the borrower and 90% conventional financing on a 30-year ARM term (360 monthly principal and interest payments of varying amounts: Initial 4.99% Interest Rates with an Annual Percentage Rate (APR) of 6.242% for years 1-5 (60 monthly principal and interest payments of $1,930.36); first adjusted interest rate can increase or decrease by 2% (2.99%-6.99%) for 5 years (60 monthly principal and interest payments of $1,566 – $2,334; second adjusted interest rate can increase by 2%, or decrease to the rate minimum (2.75% – 8.99%) for 5 years (60 monthly principal and interest payments of $1,532 – $2,709); subsequent adjustments can increase to the rate maximum or decrease to the rate minimum every 5 years for years 16-30 (adjusted every 5 years to reflect monthly principal and interest payments of $1,532 – $2,870). Payment example does not include taxes, insurance, or Private Mortgage Insurance (PMI); the actual payment obligation will be higher. this is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Belco Community Credit Union: 449 Eisenhower Blvd., Harrisburg, PA 17111 | (800) 642.4482| NMLS ID:528042. For registration information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.

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