Best 5/1 ARM Mortgage Rates Today - September 2026 | As Low As 4.50%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 5/1 ARM mortgage market includes offers such as Actors Federal Credit UnionActors Federal Credit Union165 W 46th St, Chicago, CA 10036 1308A-5.0 ★Texas Ratio: 15.01% offering Adjustable Rate Mortgages (ARMs) - 5/1 ARM at 4.50%, and 802 Credit Union802 Credit Union105 Westminster St, Barre, VT 05001 4720A5.0 ★Texas Ratio: 7.30% offering Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained at 5.00%, and East Texas Professional Credit UnionEast Texas Professional Credit Union105 W 18th St, Carthage, TX 75455A+5.0 ★Texas Ratio: 0.77% offering In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year at 5.25%, and West Virginia Federal Credit UnionWest Virginia Federal Credit Union2355 Maccorkle Ave, Saint Albans, WV 25177 2008A+5.0 ★Texas Ratio: 1.74% offering Adjustable Rate Mortgages (ARM) - 5/1 ARM at 5.24%, and First Financial of Maryland FCUFirst Financial of Maryland FCU1301 York Rd, Baltimore, MD 21093 6035A+5.0 ★Texas Ratio: 1.52% offering Adjustable-Rate Mortgages - 5/5 Loan at 5.25%.
A 5/1 ARM is the most popular adjustable-rate mortgage in the U.S., offering a fixed rate for the first 5 years before adjusting annually. The initial rate is typically 0.75%–1.25% below a comparable 30-year fixed, making it attractive for borrowers with a clear 5-year horizon — whether that means selling, refinancing, or paying down principal aggressively.
5/1 ARM rates reflect the initial fixed-rate period. Your rate will adjust after 5 years based on market conditions. Last Updated and Verified: September 22, 2026
Compare 5/1 ARM Mortgage Rates Today
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As Low As
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As Low As
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Purchase; Rate starting at 5.250%
Refinance; Rate starting at 5.250%
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.405% initial interest rate, the APR for this loan type is 4.627%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,123.62 at an interest rate of 5.405% 299 payments of $974.84 at an interest rate of 4.000% 1 payment of $975.14 at an interest rate of 4.000% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.
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with closing costs
Introductory rate; Rate Cap: 2/5 (2% maximum per adjustment period, 5% maximum above the initial interest rate over the life of the loan); Index: 5 Yr CMT; Margin: 2.875%; Floor Rate: 2.875%; Available for purchases or refinances; Primary and secondary residences are eligible, but not investment properties; One rate up to $1,000,000 - jumbo loans included!; Borrow (or cash out) up to 80% loan to value (LTV); Loan held and serviced by APL FCU, not sold and eligible for rate refresh program; 5/5 format means only one adjustment period in the first 10 years; Available on primary and secondary residences located in Maryland, Delaware, Virginia, West Virginia, Pennsylvania and Washington, DC; Subject to underwriting approval and APL FCU membership eligibility; Available for new business only; Members with current in-house first mortgage loans and seconds not eligible; Appraisal required and an application fee applies; LTV limit of 80%, with CLTV limit of 90%; Lock-in period of 50 days; Interest only not allowed; Minimum financing amount $100,000.
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5/1 ARM Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 5/1 ARM rate rose 0.087 points over the past 7 days to 6.514%, up from 6.427% last week.
ARM Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 5/1 ARM rate on this page is sourced directly from the official website of the lending institution. Adjustable-rate mortgage rates reflect the initial fixed-rate period and are verified and updated daily.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 5/1 ARM rates can shift multiple times per week in response to economic conditions and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 5/1 ARM Rates
What is a 5/1 ARM?
How does the rate adjustment work after the 5-year fixed period?
What are rate caps on a 5/1 ARM?
Who is a 5/1 ARM best suited for?
How does a 5/1 ARM compare to a 30-year fixed mortgage?
What happens if rates rise significantly after the fixed period?
How does a 5/1 ARM compare to a 3/1 or 7/1 ARM?
What is the difference between interest rate and APR on a 5/1 ARM?
How are 5/1 ARM rates determined?
What are today's best 5/1 ARM rates?
- Actors Federal Credit Union: 4.50% (Adjustable Rate Mortgages (ARMs) - 5/1 ARM)
- 802 Credit Union: 5.00% (Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained)
- East Texas Professional Credit Union: 5.25% (In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year)
- West Virginia Federal Credit Union: 5.24% (Adjustable Rate Mortgages (ARM) - 5/1 ARM)
- First Financial of Maryland FCU: 5.25% (Adjustable-Rate Mortgages - 5/5 Loan)
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