Best 5/1 ARM Mortgage Rates Today - May 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 Mutual Savings Credit Union Hoover, ALMutual Savings Credit Union Hoover, AL1030 Lee St, Alexander City, AL 35010 2655A+5.0 ★Texas Ratio: 0.61% offering Adjustable Rate Mortgages ("ARM") 15 Year Amortization (5/1 ARM) 80% LTV at 0.00%, and Altana Federal Credit UnionAltana Federal Credit Union1111 24th St W, Billings, MT 59019 7569A+5.0 ★Texas Ratio: 5.55% offering 5/5/5 ARM - 1st Mortgage at 0.00%, and Piedmont FSBPiedmont FSB1040 Southpark Blvd, Boone, NC 27012A+5.0 ★Texas Ratio: 0.44% offering Portfolio Choice 5/1 Adjustable at 5.39%, and 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 4.52%.
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: May 22, 2026
Compare 5/1 ARM Mortgage Rates Today
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The rate provided is based on a loan amount of $280,000, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 740+. Qualifying rates may be based on a combination of your credit rating, combined loan-to-value, amount financed, and other factors. Your actual rate may be higher than those shown based on information relating to these factors as determined after applying. Rates subject to change without notice. Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
The rate provided is based on a loan amount of $280,000, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 740+. Qualifying rates may be based on a combination of your credit rating, combined loan-to-value, amount financed, and other factors. Your actual rate may be higher than those shown based on information relating to these factors as determined after applying. Rates subject to change without notice. Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
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with closing costs / 0 points<br/>
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(2/5 Caps)
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Max LTV <=80%; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
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As Low As; Rate fixed for 5 years
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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 0.029 points over the past 7 days to 6.263%, up from 6.234% 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?
- Mutual Savings Credit Union Hoover, AL: 0.00% (Adjustable Rate Mortgages ("ARM") 15 Year Amortization (5/1 ARM) 80% LTV)
- Altana Federal Credit Union: 0.00% (5/5/5 ARM - 1st Mortgage)
- Piedmont FSB: 5.39% (Portfolio Choice 5/1 Adjustable)
- Actors Federal Credit Union: 4.75% (5/1 ARM)
- JSC Federal Credit Union: 4.52% (5/6 SOFR ARM)
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