Adjustable-Rate Mortgages

A low initial rate means extra money for other things in your life

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

Mortgage Calculator

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