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 SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit Union134 N Kenwood St, Burbank, CA 90036 3792A+5.0 ★Texas Ratio: 3.06% offering 5/1 ARM at 5.70%, and Piedmont FSBPiedmont FSB1040 Southpark Blvd, Boone, NC 27012A+5.0 ★Texas Ratio: 0.44% offering Portfolio Choice 5/1 Adjustable at 5.40%, and Actors Federal Credit UnionActors Federal Credit Union165 W 46th St, Chicago, CA 10036 1308B+4.8 ★Texas Ratio: 17.91% 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: 4.82% offering 5/6 SOFR ARM at 4.52%, and Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004A+5.0 ★Texas Ratio: 3.29% offering 5/6 ARM at 4.75%.
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 7, 2026
Compare 5/1 ARM Mortgage Rates Today
APR* - 0% Origination
APR* - 1% Origination
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1st Adj. Rate
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As Low As; starting at
As Low As; starting at
Up to 30-year amortization. Closing costs = $1,600. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 5/1 ARM means that the first five years have a locked APR set at closing. 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.
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(2/5 Caps)
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<=80% max LTV
As Low As; Rate fixed for 5 years
As Low As
As Low As
As Low As; Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty.
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As Low As
As Low As
90% max LTV
As Low As; Offer applies to medical professionals (licensed residents/interns/fellows in MD, DO, DPM, DDS, DVM, NP, PA and other practicing medical professionals with master's level education and above.
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Rates include 50% rate discount on 5/5 ARM only
As Low As
90% max LTV
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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 0.010 points over the past 7 days to 6.187%, up from 6.177% 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?
- SAG AFTRA Federal Credit Union: 5.70% (5/1 ARM)
- Piedmont FSB: 5.40% (Portfolio Choice 5/1 Adjustable)
- Actors Federal Credit Union: 4.75% (5/1 ARM)
- JSC Federal Credit Union: 4.52% (5/6 SOFR ARM)
- Aloha Pacific Federal Credit Union: 4.75% (5/6 ARM)
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