Langley’s Adjustable-Rate Mortgages (ARMs) help you maximize savings upfront while adapting to market conditions over time. With competitive pricing and no mortgage insurance required, our ARMs are designed to fit a variety of financial needs. That’s not all - all terms come with no risk-based pricing – members who qualify receive the best available rate regardless of credit score.

1/1 ARM

A Great Value

Our lowest available rate for those looking to maximize savings upfront.

5.750% Rate

6.596% APR 1

3/1 ARM

A Smart Middle Ground

For financially savvy borrowers who want a lower rate than a 30-year fixed mortgage but prefer less frequent rate adjustments.

6.250% Rate

6.589% APR 2

5/1 ARM

Maximum Perks, Maximum Flexibility

A smart alternative to a 30-year fixed mortgage that offers stability for the first five years before adjustments.

6.750% Rate

6.744% APR 3

Why Choose a Langley ARM?

  • 95% Loan-To-Value (LTV)

    Get financing with a low down payment.

  • No Mortgage Insurance Required

    Save money on monthly payments.

  • Competitive Pricing

    Rates at or below standard 30-year fixed rate mortgages.

  • No Risk-Based Pricing

    Members who qualify receive the best available rate and terms, regardless of credit score.

Rates and Payments

Term Rate APR Amount
5/5 6.875% 7.458% [1]
$
.00
5/5 (First Time Home Buyer) 6.750% 7.564% [1]
$
.00

Ready to Get Started? Discover how an ARM from Langley can work for you. Apply online today!

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833-304-0471

1 1/1 Adjustable-Rate Mortgage (ARM) – 6.596% Annual Percentage Rate (APR) for the first year. The interest rate is current as of March 12, 2025. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial one-year fixed-rate period, your interest rate is subject to change—up or down—based on market rates at the time of reset and annually thereafter. Offer applies to borrowers with a credit score of 710 or better, depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.
The payment on a 30-year, $200,000, 1-year Adjustable-Rate Loan at 6.596% APR and 95% loan-to-value (LTV) is $1167 for the first year. The rate is variable and can increase by no more than 1 percentage points annually, with a lifetime maximum adjustment of 6%. Since the future index is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After the first year, the maximum payment is $1297.

2 3/1 Adjustable-Rate Mortgage (ARM) – 6.589% Annual Percentage Rate (APR) for the first three years. The interest rate is current as of March 12, 2025. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial three-year fixed-rate period, your interest rate is subject to change—up or down—based on market rates at the time of reset and annually thereafter. Offer applies to borrowers with a credit score of 710 or better, depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.
The payment on a 30-year, $200,000, 3-year Adjustable-Rate Loan at 6.589% APR and 95% loan-to-value (LTV) is $1231 for the first three years. The rate is variable and can increase by no more than 2 percentage points annually, with a lifetime maximum adjustment of 6%. Since the future index is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After three years, the maximum payment is $1364.

3 5/1 Adjustable-Rate Mortgage (ARM) – 6.744% Annual Percentage Rate (APR) for the first five years. The interest rate is current as of March 12, 2025. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial five-year fixed-rate period, your interest rate is subject to change—up or down—based on market rates at the time of reset and annually thereafter. Offer applies to borrowers with a credit score of 710 or better, depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.
The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 6.744% APR and 95% loan-to-value (LTV) is $1297 for the first five years. The rate is variable and can increase by no more than 2 percentage points annually, with a lifetime maximum adjustment of 6%. Since the future index is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After five years, the maximum payment is $1573.

*For properties in Virginia, Maryland and North Carolina only. Subject to credit approval. Insured by NCUA. NMLS # 402897