Best 5/1 ARM Mortgage Rates Today - July 2026 | As Low As 4.76%
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 Piedmont FSBPiedmont FSB1040 Southpark Blvd, Boone, NC 27012A+5.0 ★Texas Ratio: 0.44% offering Portfolio Choice 5/1 Adjustable Loan at 5.38%, and 802 Credit Union802 Credit Union105 Westminster St, Barre, VT 05001 4720A+5.0 ★Texas Ratio: 5.65% offering 5/1 ARM at 5.00%, 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 4.76%, and West Virginia Federal Credit UnionWest Virginia Federal Credit Union2355 Maccorkle Ave, Saint Albans, WV 25177 2008A+5.0 ★Texas Ratio: 2.47% offering 5/1 ARM at 5.24%, 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 5.25%.
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: July 25, 2026
Compare 5/1 ARM Mortgage Rates Today
As Low As; ARM
80% LTV
For loans $800,000.00 or greater, add 0.50% to listed rates (1st Mortgage)
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 5.382% initial interest rate, the APR for this loan type is 4.618%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,120.79 at an interest rate of 5.382% 299 payments of $974.54 at an interest rate of 4.000% 1 payment of $975.10 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.
80% LTV
For loans $800,000.00 or greater, add 0.50% to listed rates (1st Mortgage)
Adjustable Rate
As Low As
No additional details available.
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As Low As; Fixed Interest Rate for the first 5 years; Switches to Adjustable for remainder of term
with closing costs
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As Low As
as low as
as low as
Up to 1.0 points**
As low as.
As Low As; Rates adjust only once every 5 years; Caps limit the rate increases
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Adjustable Rate
Max Loan Cost/Thousand: $5.47
As low as
As low as
Offer a fixed rate for the first five years of the loan and may vary every year after the fixed period. The maximum lifetime cap is 6%.
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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 0.069 points over the past 7 days to 6.291%, up from 6.222% 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?
- Piedmont FSB: 5.38% (Portfolio Choice 5/1 Adjustable Loan)
- 802 Credit Union: 5.00% (5/1 ARM)
- JSC Federal Credit Union: 4.76% (5/6 SOFR ARM)
- West Virginia Federal Credit Union: 5.24% (5/1 ARM)
- Affinity Plus Federal Credit Union: 5.25% (5/6m ARM Adjustable-Rate, Conventional)
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