ARM | Los Angeles Police Federal Credit Union

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LAPFCU’s adjustable-rate mortgage (ARM) loans feature a low initial fixed-interest rate, followed by periodic rate adjustments.

LOAN	TERM	RATE	APR	Payment per $100,000
5/1 ARM*	30-Years (Subject to annual adjustment after 5 years fixed)	5.875%	6.106%	$591.54
5/5 ARM**	30-Years (Subject to 5-year adjustment after 5 years fixed)	6.00%	6.349%	599.55

Why Choose an ARM?

Lower initial fixed-interest rate, followed by periodic rate adjustments
Put as little as 10% down, or refinance up to 80% of your home’s value
Can help you qualify for a larger loan with lower monthly payments, so owning a home is more affordable
No pre-payment penalty, so you can refinance into a stable, fixed-rate loan later if rates drop and you have sufficient equity

INCLUDES END OF WATCH DEBT PROTECTION AT NO COST!

Disclosures

*ARM = Adjustable-Rate Mortgage. APR = Annual Percentage Rate. 5.875% initial interest rate, followed by an estimated 6.100% adjustable interest rate, 6.106% APR based on zero points and 20% down for conforming loans up to $647,200, effective as of December 11, 2025. All advertised rates and terms are subject to change at any time without notice. Interest rates and payments may increase after consummation. Payments are fixed for five years. After the initial fixed-rate period, your interest rate can increase or decrease yearly according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the estimated adjustable rates are based on the current one-year CMT index plus a margin of 2.500% subject to adjustments every five years with a lifetime maximum adjustment of 5.000%. May not be combined with any other offer, program, or promotion. Cannot be used to refinance an existing LAPFCU mortgage. Payment example: A $500,000 loan with a 20% down payment and an initial interest rate of 5.875% would have 60 monthly payments of $2,957.69 followed by 300 monthly payments of $3,021.558 at a 6.100% estimated adjustable interest rate (subject to a yearly adjustment), 6.106% APR. Payments do not include taxes and insurance. Restrictions apply, ask for complete details. All loans are subject to credit approval and applicable LAPFCU policies.

**ARM = Adjustable-Rate Mortgage. APR = Annual Percentage Rate. 6.000% initial interest rate, followed by an estimated 6.420% adjustable interest rate, 6.420% APR based on zero points and 20% down for conforming loans up to $647,200, effective as of December 11, 2025. All advertised rates and terms are subject to change at any time without notice. Interest rates and payments may increase after consummation. Payments are fixed for five years. After the initial fixed-rate period, your interest rate can increase or decrease every five years according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the estimated adjustable rates are based on the current five-year CMT index plus a margin of 2.750% subject to adjustments every five years with a lifetime maximum adjustment of 5.000%. May not be combined with any other offer, program, or promotion. Cannot be used to refinance an existing LAPFCU mortgage. Payment example: A $500,000 loan with a 20% down payment and an initial interest rate of 6.000% would have 60 monthly payments of $2,997.75 followed by 300 monthly payments of $3,118.33 a 6.420% estimated adjustable interest rate (subject to five-year adjustment), 6.420% APR. Payments do not include taxes and insurance. Restrictions apply, ask for complete details. All loans are subject to credit approval and applicable LAPFCU policies.

MORTGAGE RATES AS LOW AS 6.250% / 6.856% APR