Adjustable-Rate Mortgage (ARM)

An adjustable-rate mortgage (ARM) can be a powerful option if you’re planning ahead. Whether you expect to move, refinance, or want to take advantage of a lower starting rate, an ARM gives you more control over how you finance your home.

At Tidemark, we’ll walk you through exactly how it works—so you can move forward with confidence.

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How Adjustable-Rate Mortgages Work

An ARM starts with a fixed interest rate for a set period of time—then adjusts at scheduled intervals after that.
It’s built to give you a lower starting point upfront, with flexibility later.

Initial Fixed Period

Your rate stays the same for the first 5, 7, or 10 years—giving you predictable payments early on.

Adjustment Period

After the fixed term ends, your rate may adjust periodically based on market conditions and your loan terms.

Built-In Safeguards

ARMs include rate caps that limit how much your rate can change—so there are no surprises.

ARM Options That Match Your Timeline

Each ARM is structured around how long your initial rate stays fixed. The first number tells you how many years your rate won’t change.

10/1 ARM	Fixed for 10 years, then adjusts annually Best for longer-term stability with flexibility later
7/1 ARM	Fixed for 7 years, then adjusts annually A balance between lower initial rates and mid-term plans
5/1 ARM	Fixed for 5 years, then adjusts annually Ideal if you expect to move or refinance sooner

Flexibility Built Into Your Mortgage

Life doesn’t always follow a fixed plan—your mortgage shouldn’t either.

With an ARM, you have the ability to:

Take advantage of lower initial rates
Refinance if your plans change
Adjust your strategy as the market shifts
It’s not about guessing the future—it’s about staying flexible as it unfolds.

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When an ARM Might Be the Right Move

An adjustable-rate mortgage isn’t for everyone—but in the right situation, it can be a smart financial tool.

You don’t plan to stay long-term

If you expect to move or refinance within a few years, you may benefit from the lower initial rate.

You want a lower starting payment

ARMs often begin with lower rates than fixed mortgages, helping reduce your monthly payment early on.

You’re planning ahead financially

If your income or plans are expected to change, an ARM gives you flexibility to adapt.

ARM vs. Fixed-Rate Mortgage

ARM

Lower initial rate
Flexible for shorter timelines
Rate adjusts over time

Fixed-Rate

Stable, predictable payments
Best for long-term ownership
No rate changes

Not sure which direction makes sense? We’ll help you compare both.

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Local Guidance.
Smarter Decisions.

An ARM is a more strategic type of mortgage—which means having the right team matters.

At Tidemark, you’ll work with local experts who:

Walk you through every option
Explain how your loan actually works
Help you make a confident, informed decision

No guesswork. No pressure. Just clear guidance.

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Get Preapproved in Minutes

A preapproval gives you a clear understanding of your budget—and shows sellers you’re ready to move.

Quick, streamlined process
Know your numbers upfront
Shop with confidence

Explore Fixed-Rate Options

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Adjustable-Rate (ARM)⁽¹⁾

Rates as of April 15, 2026

These loans typically begin with a low, fixed interest rate for the initial term and then adjust according to an index.⁽³⁾

Loan Type	Loan to Value	Interest Rate as low as i Rate Interest rate is the amount paid each year in order to borrow money, calculated in percentage.	Discount Points i Points Points are upfront fees you can pay to lower your mortgage interest rate. One point typically costs 1% of your loan amount. Paying points may help reduce your monthly payments over time.	APR As Low As i APR (Annual Percentage Rate) APR is a broader measure of the cost of borrowing. It includes the interest rate plus any upfront fees or costs (like points), giving you a more complete picture of what you’ll actually pay over the life of the loan.
5/1 Conforming ARM	Up to 80%	5.750%	0.00%	5.802%
7/1 Conforming ARM	Up to 80%	6.000%	0.00%	6.053%
10/1 Conforming ARM	Up to 80%	6.375%	0.00%	6.429%

Discount Points, Jumbo, Second Home, Refinance and 100% financing⁽⁴⁾ options available. Rates subject to change.

Payment Example ⁽⁵⁾

5/1 Conforming ARM Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

7/1 Conforming ARM Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

10/1 Conforming ARM Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

Loan Rates Disclosures

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¹Rates displayed are "as low as" for Primary residence purchase loans. Displayed rates include discount points. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), occupancy, property type and loan purpose, and/or other factors. Down payment and loan-to-value (LTV) requirements may vary depending on the occupancy, property type, loan purpose, your creditworthiness, and/or other factors. All loans subject to credit approval.

²A fixed-rate loan of $256,000 for 30 years at 6.500% interest and 6.568% APR will have a monthly payment of $1,618.09. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 20 years at 6.375% interest and 6.464% APR will have a monthly payment of $1,889.87. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 15 years at 6.125% interest and 6.236% APR will have a monthly payment of $2,177.60. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

³Adjustable Rate Mortgages (ARM) are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Properties limited to the Delmarva Peninsula. All loans subject to credit approval.

⁴Loan amounts above $600,000 may require PMI.

⁵A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 5.750% interest and 5.802% APR will have a monthly payment of $1,867.43. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 7/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.000% interest and 6.053% APR will have a monthly payment of $1,918.56. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.375% interest and 6.429% APR will have a monthly payment of $1,996.38. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

⁶A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.875% interest and 6.968% APR will have a monthly payment of $2,102.17. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

⁷Rates displayed are "as low as" for purchase loans. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. Contact us for terms for refinances. All loans subject to credit approval.

⁸Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Minimum loan amount $50,000. Maximum Loan amount $600,000, 80% Loan to Value. All loans subject to credit approval.

⁹A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 20 years at 6.375% interest and 6.446% APR will have a monthly payment of $2,362.34. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of unimproved land, 780 FICO, down payment of 20% up to the conforming loan amount limit.

¹⁰ Rates displayed are "as low as" for primary residence only. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. All loans subject to credit approval.

¹¹ Net appraised value is appraised value less 1st lien balance. Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV. Minimum loan amount $25,000. Maximum $400,000. Other terms available if TFCU is first lien holder. Primary residence only. Additional limitations may apply.

¹² Rate changes monthly based on Prime Rate as published in the Wall Street Journal plus a margin. Interest only payments are made during the 10-year draw period then the remaining balance is amortized over 15 years.

¹³

¹⁴ Home Equity Line of Credit (HELOC) with interest only payments at 6.750%, Prime interest and 6.798% APR would require a minimum monthly payment of $5.63 per $1,000.00 borrowed during the draw period. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

A fixed-rate loan of $100,000 for 20 years at 6.500% interest and 6.538% APR will have a monthly payment of $745.57. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

¹⁵ Rates may vary based on term, down payment, credit worthiness and age of unit.

¹⁶ Rates are 3% above share/certificate dividend rate; adjusted with the dividend rate. For share secured loan funds must be held in the Prime Share. Retirement certificates are not eligible to be pledged.

¹⁷ Variable rate adjusted quarterly based on Prime.

¹⁸ Variable rate adjusted monthly based on Prime.

¹⁹ Rates based on the Prime Rate of 10/01/2025 (Visa®)

²⁰ Rates based on the Prime Rate of 10/29/2025 (Line of Credit)

^ANew Vehicles are considered the five most recent model years. Including Auto, Truck & Van. Rates may vary based on term, down payment, and credit worthiness.

^BUsed Vehicles are considered model years between 6 and 11 years. Including Auto, Truck & Van. Rates may vary based on term, down payment, credit worthiness and age of vehicle.

^CRVs and Boats must be within the last 10 model years. Boats require financing of Boat (Hull), Motor(s), and optionally a trailer as part of the package.

^DMotorcycle and Powersport must be within the last 6 model years. Including bikes, trikes, ATV, UTV and Personal Watercraft. Personal watercrafts require a trailer to be financed in package.

^EClassic Auto minimum age requirement of 25 years. Unit must be within the J.D Power definition of a classic automobile. Must remain consistent with the way the car was originally built. Borrowers will be required to submit images of the vehicle to verify It is not currently in the restoration phase.

Rates are subject to change without notice and are accurate as of the date listed above. Additional rates and terms may apply. Members may contact any Credit Union staff member for details on applicable fees and terms. The rates shown apply only to new money and new loans with Tidemark Federal Credit Union. Existing Tidemark loans may not qualify for the advertised rates if refinanced internally. Rate eligibility is determined by multiple factors, including loan type, creditworthiness, and the terms of the current loan agreement.