Adjustable-Rate Mortgages

Feel great with a year or more of lower payments.

Buying a new home can be an expensive proposition. An Adjustable-Rate Mortgage reduces your monthly housing costs for a specific time period and gives you the opportunity to rebuild your savings and make other purchases.

Choose from various adjustable-rate mortgage options
Interest rates adjust on an annual basis
ARMs are available for one- to four-family residences and vacation homes
Refinancing options available

XCEL FCU is a credit union serving members in New Jersey, New York and across the country.

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