Best 5/1 ARM Mortgage Rates Today - June 2026 | As Low As 4.74%
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 1308B+4.8 ★Texas Ratio: 16.47% offering 5/1 ARM at 4.75%, and JSC Federal Credit UnionJSC Federal Credit Union1280 E League City Pkwy, Alvin, TX 77017A+5.0 ★Texas Ratio: 4.52% offering 5/6 SOFR ARM at 4.74%, and Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149A+5.0 ★Texas Ratio: 5.03% offering 5/6m ARM Adjustable-Rate, Conventional at 5.12%, and First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA100 SWIFT ST, BOSTON, MA 02128 1864A+5.0 ★Texas Ratio: 2.65% offering 5/1 ARM at 5.50%, and Greenville Federal Credit UnionGreenville Federal Credit Union107 W Church St, Greenville, SC 29607A+5.0 ★Texas Ratio: 4.42% offering 5/1 ARM Loans at 5.12%.
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: June 11, 2026
Compare 5/1 ARM Mortgage Rates Today
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As Low As; ARM
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Special home loan financing all June long. As Low As
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2/5 Caps
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Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5/6 ARM = 60 months fixed, 7/6 ARM = 84 months fixed, 10/6 ARM = 120 months fixed; after the fixed period the interest rate will adjust once every six months). Rates apply to owner occupied single family residential properties. Interest rates are locked in at time of receipt of signed disclosures and will hold for 45 days from acceptance of the commitment. Down payments less than 20% may be subject to higher rates.
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5/1 ARM Mortgage Rate Trend
Daily national 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 0.003 points over the past 7 days to 6.268%, up from 6.265% 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.
Nationwide 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 national online lenders. This breadth ensures you see competitive rates that many national 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: 4.75% (5/1 ARM)
- JSC Federal Credit Union: 4.74% (5/6 SOFR ARM)
- Affinity Plus Federal Credit Union: 5.12% (5/6m ARM Adjustable-Rate, Conventional)
- First Priority Credit Union Boston, MA: 5.50% (5/1 ARM)
- Greenville Federal Credit Union: 5.12% (5/1 ARM Loans)
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