Adjustable-Rate Mortgage

Lock in a lower interest rate on your terms

HELOC

12-month introductory fixed rate as low as 3.99% APR* then an ongoing variable rate as low as Prime minus 0.25%*

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Choose from 3/1, 5/1, 7/1 or 10/1 ARMs

Competitive mortgage interest rates save you more

We'll help you find the home loan that fits best

Advantages of Adjustable Rate Mortgages (ARMs)

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.

Great low mortgage rates
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
Low loan closing costs
We'll help you find homebuying grants and incentives that provide down payment assistance

ARM vs. Fixed Mortgage Calculator

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Money Market Account

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Earn more on higher balances while keeping your funds accessible.

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Adjustable-Rate Mortgage

Lock in a lower interest rate on your terms

Advantages of Adjustable Rate Mortgages (ARMs)

Guiding you home with confidence.

Get a flexible mortgage that fits your needs.