5/5 Hybrid Adjustable Rate Mortgage (ARM)

Attractive rates make our ARMs a strong option

Adjustable-rate mortgages (ARMs) help you save money in the early stages of home ownership - right when you might need it most. With this popular loan, you enjoy a below-market interest rate for the first five years. That extra money can help upgrade your home, rebuild your savings or cover other costs. After five years, your rates may increase or decrease, depending on economic conditions. ARMs are a good option for people who expect their income to rise over time or who plan to move again before the introductory period ends.

Already have an application? Check your borrower portal for updates on your loan.

A great start

5/5 ARM features an initial interest rate below most 30-year, fixed-rate mortgages.

Adjustment period

Rates for our 5/5 ARM can adjust only once every five years.

There's a limit

Caps mean your rate can't rise by more than 5 percentage points over the life of the loan.

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

*Subject to credit approval. Some restrictions may apply.


Your questions answered

By setting up automatic payments on any loan, you're reducing your risk of missing a payment which could result in late fees. For help in setting up autopay, visit any of our 12 Central Coast locations, or call us at (805) 733-7600

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Here to help

No matter your inquiry, give us a call at (805) 733-7600, or use one of our other convenient contact methods.