Best 3/1 ARM Mortgage Rates August 2026 | As Low As 4.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 3/1 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 Adjustable Rate Mortgages (ARMs) - 3/1 ARM at 4.25%, and 802 Credit Union802 Credit Union105 Westminster St, Barre, VT 05001 4720A+5.0 ★Texas Ratio: 5.65% offering 3/1 ARM at 4.50%, and Evergreen Credit UnionEvergreen Credit Union133 N Richmond St, Appleton, WI 54911 4635A+5.0 ★Texas Ratio: 3.34% offering Primary Home-First Mortgage - 3 Year ARM at 4.99%, and Alabama Credit UnionAlabama Credit Union1 Mercedes Dr, Birmingham, AL 32507 8703A5.0 ★Texas Ratio: 5.87% offering 3/1 ARM, First Mortgage at 5.00%, and Fox Valley Savings BankFox Valley Savings Bank101 S Madison St, Fond Du Lac, WI 53963A+5.0 ★Texas Ratio: 2.02% offering 3/1 Adjustable-Rate Mortgage at 5.25%.
A 3/1 ARM offers a fixed interest rate for the first 3 years, then adjusts annually based on a market index. It typically carries a lower initial rate than 30-year fixed mortgages, making it well suited for borrowers who plan to sell or refinance before the adjustment period begins.
3/1 ARM rates reflect the initial fixed-rate period. Your rate will adjust after 3 years based on market conditions. Last Updated and Verified: August 28, 2026
Compare 3/1 ARM Mortgage Rates Today
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As Low As
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APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 07/16/2026. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 - 90% loan to value.
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80% Loan to Value
Secure Your Dream Home! As low as 5.25% APR* for 3 Years!
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Secure Your Dream Home! For 3 Years!
As Low As
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Annual Percentage Rate. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 - 90% loan to value. Estimated closing costs of $800 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 07/16/2026.
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08/26/2026 ** ARM is Adjustable Rate Mortgage. First Mortgage ARM's are amortized over up to 30 years. Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. First lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
All rates shown include a discount of 0.25% for auto charge from a Jeff Bank deposit account. Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan. Add 50 basis points for mixed use (residential/farm/business).
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As low as; 3/1 (30-year term)
As Low As
As low as
±3% Tri-Annual Cap, ±5% Lifetime Cap
All rates shown include a discount of 0.25% for auto charge from a Jeff Bank deposit account. Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan. Add 50 basis points for mixed use (residential/farm/business).
NY ONLY - As low as
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As low as
0 Points Option
As low as
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Consumer Handbook; Disclosures
Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics.
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The interest rate is current as of May 19, 2026. No Private Mortgage Insurance. Up to 95% Loan-to-Value (LTV) for purchases. Maximum loan amount is $806,500. After the initial 3 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 6.196% APR and 95% loan-to-value (LTV) is $1,151 for the first year. The rate is variable and can increase by no more than 2 percentage point(s) 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 3 year(s), the maximum payment is $1,416
Fixed for 3 years and then adjusts yearly.
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Rates as Low as*
Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
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As Low As; ARM loan; Rate is variable after initial fixed period; **
Rate Caps: 2%/2%/5%; Fully Indexed Rate: 6.500%
ARM terms available. Your interest rate under this ARM can change after 36 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2 percentage points at first adjustment and 2 percentage points per subsequent adjustment from the initial interest rate excluding any buydown. Your interest rate will never be greater than 5 percentage points above the initial interest rate or lower than 2.75%.
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Rates as Low as*
Rates as Low as*
08/26/2026 ** ARM is Adjustable Rate Mortgage. Second Mortgage ARM's are amortized over up to 15 years. Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
Initial Fixed Period (First 3 Years)
As low as
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Rates (as low as)
Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. 3/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first three years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 6 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap.
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Rate: 5.625% / 6.875% / 6.875%
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Monthly payment example for $500,000 loan 84 months at $3,160.34 followed by 276 months at $3,160.34
Fully Indexed Rate: 7.000%
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Conform / Jumbo: Up to $806,500
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Initial Rate Period: 3 Years; First Adjusted Rate thereafter variable: 6.750%
Conform / Jumbo: Over $806,500
Rates (as low as)
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36 month intro rate as low as
Fully Indexed Rate %: 7.000%
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Origination Fee: $4,425
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08/26/2026 ** ARM is Adjustable Rate Mortgage. 3 year ARM's are amortized over up to 20 years. Loan rates and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Wisconsin properties only. Membership eligibility required.
As Low As
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740. At a 6.990% initial interest rate, the APR for this loan type is 7.208%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $658.49 at an interest rate of 6.990% 203 payments of $664.61 at an interest rate of 7.125% 1 payment of $664.46 at an interest rate of 7.125%. 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.
As low as 7.000%
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 7.250% initial interest rate, the APR for this loan type is 7.217%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $1,227.92 at an interest rate of 7.250% 323 payments of $1,213.60 at an interest rate of 7.125% 1 payment of $1,214.00 at an interest rate of 7.125%. 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.
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08/26/2026 ** ARM is Adjustable Rate Mortgage. 3 year ARM's are amortized over up to 20 years. Loan rates and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Wisconsin properties only. Membership eligibility required.
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20% down is required; Margin 4.000%; CAPS: 2% / 6%
±3% Tri-Annual Cap, ±5% Lifetime Cap
40% down is required; Margin 5.000%; CAPS: 2% / 6%
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3/1 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 3/1 ARM rate fell 0.271 points over the past 7 days to 6.349%, down from 6.620% last week.
ARM Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 3/1 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 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 3/1 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 3/1 ARM Rates
What is a 3/1 ARM?
How does the rate adjustment work after the 3-year fixed period?
What are rate caps on a 3/1 ARM?
Who is a 3/1 ARM best suited for?
How does a 3/1 ARM compare to a 5/1 or 7/1 ARM?
How does a 3/1 ARM compare to a 30-year fixed mortgage?
What happens if I stay in the loan past the 3-year fixed period?
What is the difference between interest rate and APR on a 3/1 ARM?
How are 3/1 ARM rates determined?
What are today's best 3/1 ARM rates?
- Actors Federal Credit Union: 4.25% (Adjustable Rate Mortgages (ARMs) - 3/1 ARM)
- 802 Credit Union: 4.50% (3/1 ARM)
- Evergreen Credit Union: 4.99% (Primary Home-First Mortgage - 3 Year ARM)
- Alabama Credit Union: 5.00% (3/1 ARM, First Mortgage)
- Fox Valley Savings Bank: 5.25% (3/1 Adjustable-Rate Mortgage)
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