Our most affordable interest rates to keep your starting home loan payments low

Adjustable-Rate Mortgages (ARMs) from MECU Credit Union come with lower initial interest rates for a specific period, leading to affordable monthly loan payments for Maryland members.
Choose from 3/1, 5/1, 7/1 or 10/1 ARMs
Competitive mortgage rates to save you more
We'll help you find the home loan that fits best

Advantages of Adjustable Rate Mortgages (ARMs)

  • Great low mortgage rates
  • Low loan closing costs
  • Down payments of 5% to 20%1
  • 0.25% rate discount for homes purchased in Baltimore City or first-time home purchases in Baltimore City or Baltimore County1
  • We'll help you find homebuying grants and incentives that provide down payment assistance
Ready to take the next step? Let's talk. Get in touch with a Home Loan expert. 
Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on mortgage loans and other home lending products.
1Private Mortgage Insurance may be required with less than 20% down. Buying Into Baltimore and First-Time Homebuyer rate discounts not available on all loan types, such as FHA loans. Discounts cannot be combined. See rate and payment examples.

Handbook on Adjustable Rate Mortgages
Adjustable Rate Pricing Disclosure
Home Mortgage Disclosure Act (HMDA) Notice