Best 5/1 ARM Mortgage Rates Today - June 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 Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004A+5.0 ★Texas Ratio: 3.22% offering 5/6 ARM at 5.00%, 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 4.50%, and Piedmont FSBPiedmont FSB1040 Southpark Blvd, Boone, NC 27012A+5.0 ★Texas Ratio: 0.44% offering Portfolio Choice 5/1 Adjustable Loan at 5.36%, 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 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 Purchase at 5.12%.
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: June 22, 2026
Compare 5/1 ARM Mortgage Rates Today
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80% LTV
80% LTV
As Low As; 1st Mortgage
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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 5.362% initial interest rate, the APR for this loan type is 4.611%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,118.33 at an interest rate of 5.362% 299 payments of $974.28 at an interest rate of 4.000% 1 payment of $975.61 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.
90% LTV
80% LTV
80% LTV
Special home loan financing all June long. As Low As
No additional details available.
No additional details available.
90% LTV
As Low As
As Low As; (rates include Jumbo loans)
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For a $250,000 Loan
For a $250,000 Loan
with closing costs
As Low As
2/5 Caps
Up to 1.0 points**
5.524 APR
As Low As; *
As low as; *
Up to 30-year amortization. Closing costs = $1,600. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan.
No additional details available.
Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty.
Initial Monthly Payment: Months 1-60 $1,822.83; Maximum Monthly Payment: Months 61-360 $2,127.00
As Low As
Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.
No additional details available.
No additional details available.
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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 fell 0.077 points over the past 7 days to 6.179%, down from 6.257% 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?
- Aloha Pacific Federal Credit Union: 5.00% (5/6 ARM)
- Actors Federal Credit Union: 4.50% (5/1 ARM)
- Piedmont FSB: 5.36% (Portfolio Choice 5/1 Adjustable Loan)
- 802 Credit Union: 5.00% (5/1 ARM)
- Affinity Plus Federal Credit Union: 5.12% (5/6m ARM Adjustable-Rate, Conventional Purchase)
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