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Is an Adjustable Rate Mortgage Right for You?

Greater Flexibility. Lower Monthly Payments Initially. More Buying Power.

Just like there is no one-size-fits-all home, there isn’t a one-size-fits-all mortgage. There are lots of options that can be tailored to suit your individual situation. Now you can get the loan you need at the rate you want!

  2.375% Rate* 3/1 Adjustable Rate Mortgage

  • Loan amount up to $3.5 million

  • 3 years fixed then may adjust annually

  • No points

  • Available for a limited time

 With a 3/1 ARM rate this low, you CAN afford to buy your dream home!

 Apply for a Home Loan

With an Adjustable Rate Mortgage (ARM) there are a number of advantages. Consider:

  • Low monthly payment for the initial fixed term (a big benefit if you’re buying a new home and facing furniture and upgrade expenses)
  • Good choice if you plan to move or refinance before the initial fixed term expires
  • No prepayment penalty (should you choose to pay off your ARM early)
  • Free 60-day rate lock


Before you choose an ARM you should carefully consider whether you are comfortable with the potential of a higher ARM payment after your initial fixed term expires. You may or may not be able to refinance this loan in the future, depending on your credit worthiness, home value, etc.


 Rates low for home loan

We know that buying a home is a big decision, and we are here to help. A home loan specialist can help you review the terms, structure and benefits of each type of loan. That way, you can be sure that you and your family select the right home loan for your situation.

Visit any of our branches or apply online and receive a loan decision in minutes!

*Rate and terms effective August 21, 2013 and are subject to change or end without notice.   Loans are available for primary residences only and are subject to Credit Union loan policies. Fixed rate for 3 years, then converts to the 1-year Constant Maturity Treasury plus a margin, rounded to the nearest eighth. Rate is subject to adjust by a maximum of 2.50% at first change and a maximum of 2.00% annually thereafter. Lifetime cap is 6.00% over start rate, rounded up to the nearest eighth. Based on a 30-year $400,000 loan with 25% down and no cash out, the monthly payment for the first 36 months is $3.89 per $1,000 borrowed for an APR of 2.439% and for the remaining term, based on today’s index value, is $4.19 per $1,000 borrowed of an APR of 2.439%. 

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Premier America Credit Union is committed to providing exceptional service to individuals and small businesses. We offer consumer, business and youth checking and savings accounts; business loans; investment services; high yields on certificates and money market accounts; homeowner's and auto insurance; home mortgages and auto loans; as well as MasterCard and Visa credit cards. Our members enjoy free services including online banking, mobile banking, text banking, mobile apps and bill pay. We are proud to serve the communities of Chatsworth, Simi Valley, Thousand Oaks, Valencia, Santa Monica, Westlake Village, and Woodland Hills, California as well as Houston, Texas.