Best 5/1 ARM Mortgage Rates Today - October 2026 | As Low As 4.50%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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5/1 ARM mortgage rates range from 4.50% to 6.07%, verified by MonitorBankRates as of October 13, 2026. Today's 5/1 ARM mortgage market includes offers such as Actors Federal Credit UnionActors Federal Credit Union165 W 46th St, Chicago, CA 10036 1308A-5.0 ★Texas Ratio: 15.48% offering Adjustable Rate Mortgages (ARMs) - 5/1 ARM at 4.50%, and Piedmont FSBPiedmont FSB1040 Southpark Blvd, Boone, NC 27012A+5.0 ★Texas Ratio: 0.60% offering Portfolio Choice 5/1 Adjustable Loan at 6.07%, and Noble Federal Credit UnionNoble Federal Credit Union175 N Clovis Ave, Clovis, CA 93612 0304A+5.0 ★Texas Ratio: 4.29% offering 5/6 ARM at 5.00%, and East Texas Professional Credit UnionEast Texas Professional Credit Union105 W 18th St, Carthage, TX 75455A+5.0 ★Texas Ratio: 1.40% offering In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year at 5.25%, and TopLine Financial Credit UnionTopLine Financial Credit Union11121 Fountains Dr, Bloomington, MN 55014 1778A5.0 ★Texas Ratio: 6.54% offering Mortgage - 5/1 ARM 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: October 13, 2026
Compare 5/1 ARM Mortgage Rates Today
ARM, fixed rate 5 years, variable rate beginning 6th year; amortize up to 30 years; balloon 20th year; primary residence; up to 2% change on variable, no more than 6% over the loan life; minimum credit score 600
ARM, fixed rate 5 years, change date beginning 6th year; amortize up to 15 years; primary residence; up to 2% change on rate, no more than 6% over the loan life; minimum credit score 600
ARM, fixed rate 5 years, change date 6th year; amortize up to 30 years, balloon 20th year; primary residence; up to 2% change on rate, no more than 6% for the life of the loan; minimum credit score 600
Adjustable Rate Mortgage (ARM) - Home Loans; Base Rate 4.500%, Initial APR 4.611%; APR assumes 30-year term, 2/6 caps
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 6.066% initial interest rate, the APR for this loan type is 4.891%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,207.56 at an interest rate of 6.066% 12 payments of $989.91 at an interest rate of 4.066% 287 payments of $983.36 at an interest rate of 4.000% 1 payment of $984.80 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.
- Oct 11, 20264.89%▲ from 4.88%
- Oct 7, 20264.88%▼ from 6.01%
- Oct 3, 20266.01%▲ from 6.00%
- Oct 1, 20266.00%▲ from 5.46%
As Low As; ARM 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates; Borrower must qualify for Credit Union membership
Section: Adjustable; 1st Adj Rate: 6.500%; P&I per $100,000: $536.82
- Oct 13, 20265.08%▲ from 5.07%
- Oct 5, 20265.07%▼ from 5.33%
- Sep 29, 20265.33%first recorded
No additional details available.
No additional details available.
Max LTV: <=80%; Category: A+ Rated Credit; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually from 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee may apply
With closing costs / 0 points
Introductory rate; 5/5 ARM adjusts once every five years; Maximum rate cap 2% per adjustment period, 5% lifetime; Floor Rate 2.875%; Index 5 Yr CMT; Margin 2.875%; Rate Cap 2/5; LTV up to 80%; Lock-in period 50 days; Minimum financing amount $100,000; Available for primary and secondary residences in MD, DE, VA, WV, PA and DC
Max LTV: 90%; Category: A+ Rated Credit; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually from 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee may apply
Adjustable Rate Mortgage; Interest Rate (As Low As) 5.49%; initial rate fixed for first 60 months, then adjusts annually; Maximum term 300 months; Homeowners insurance required
- Oct 13, 20265.55%▲ from 5.30%
- Sep 17, 20265.30%first recorded
Loan to Value %: 80%
As Low As; Effective Date: 10/12/2026; Rate adjusts after the fixed period
Max LTV: 90%; Category: A Rated Credit; Primary Dwelling or Second Home; Rate fixed for first five years, adjusts annually from 5th anniversary; 2% max annual adjustment; 6% lifetime cap; 1% origination fee may apply
Origination Fee: 1.00%; Adjustable rate tied to 10-Year CMT index
As Low As; Current Calculation of Rate Remaining Term: 6.625%; Rate and payments adjust every 5 years; Up to 97% LTV for first-time homebuyers, 95% for all other purchases
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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 rose 0.054 points over the past 7 days to 6.786%, up from 6.732% 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?
- Actors Federal Credit Union: 4.50% (Adjustable Rate Mortgages (ARMs) - 5/1 ARM)
- Piedmont FSB: 6.07% (Portfolio Choice 5/1 Adjustable Loan)
- Noble Federal Credit Union: 5.00% (5/6 ARM)
- East Texas Professional Credit Union: 5.25% (In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year)
- TopLine Financial Credit Union: 5.12% (Mortgage - 5/1 ARM)
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