Fixed4Five

Tucson Federal Credit Union logo in a house

Unlock Flexibility with Our Fixed4Five Mortgage Loan

Experience the best of both worlds with our Fixed4Five Mortgage. Lock in a fixed rate for five years, and your rate will adjust every two years to match market trends and your financial goals.*
What is Fixed4Five?

Our Fixed4Five Home Loan is an adjustable-rate mortgage (ARM). With an ARM, the initial interest rate is fixed for a period of time. After that, the interest rate applied to the outstanding balance resets periodically; with a Fixed4Five, it will adjust every five years.

ARM Benefits

There are many benefits to an ARM over a fixed-rate mortgage:

  • Typically, lower initial interest rates.
  • Lower initial monthly payment, which can help make buying a home more affordable
  • Potential for lower payments in the future
Flexible Rates, Stable Future

Take advantage of our Fixed4Five and secure a loan that grows with you. Submit your application and discover how flexible and stable your mortgage can be.

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*APR: Annual Percentage Rate for 1st position mortgage. Actual rate determined by LTV, credit score, and term. Rate is fixed for 5-years and then varies with the market based on a margin plus the Secured Overnight Financing Rate (SOFR). Rates will adjust every 5 years after initial adjustment and will not increase by more than 5.00% over the life of the loan. Total costs for limited title, tax service, flood certification and recording fees is $400.00. Loans subject to approval. NMLS ID 462532. Equal Housing Lender.