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Discover the budget-friendly benefits of Adjustable Rate Mortgages

  • Initial APR* as low as 5.591%

  • Predictable payments for five years


*APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Stated APR based on a purchase transaction with a loan amount of $250,000 for a maximum term allowed for each loan program.
Rates are accurate as of 6/1/2025. Rates are subject to change. All mortgage loans subject to Credit Union underwriting standards. Payments may change as a result of changes in property taxes and insurance premiums. Members must be at least 18 years of age or otherwise eligible for lending services to apply. Properties must be located in North Carolina, South Carolina, Virginia, Georgia, or Tennessee.
Future interest rate changes will be determined based on the five-year Constant Maturity Treasury (CMT) yield.
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You are now leaving the Credit Union website. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website.

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The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the consumer Financial Protection Bureau's website (www.consumerfinance.gov/hmda). HMDA data for many other Financial institutions are also available at this website.

You are now leaving the Credit Union website. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website.

Continue to site Return to www.ncsecu.org