Best 5/1 Jumbo ARM Rates May 2026 | As Low As 5.13%
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Brian McKay
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Brian McKay
Brian McKay
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Today's 5/1 Jumbo ARM mortgage market includes offers such as Credit Union of Southern California Credit UnionCredit Union of Southern California Credit Union100 S Main St Ste 110, Alhambra, AZ 86403A+5.0 ★Texas Ratio: 2.57% offering Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM at 5.38%, and Alive Credit UnionAlive Credit Union1800 Barrs St, Hammond, FL 32202A+5.0 ★Texas Ratio: 4.30% offering Jumbo 5/5 ARM at 5.38%, and Silverado Credit UnionSilverado Credit Union1350 N Kings Rd, Angwin, CA 83687 3193A+5.0 ★Texas Ratio: 0.68% offering 1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM at 5.50%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.24% offering 15 Year Jumbo at 5.38%, and Tower Federal Credit UnionTower Federal Credit Union1077 State Route 3 N, Annapolis, MD 20701A+5.0 ★Texas Ratio: 1.36% offering 15 Year Jumbo at 5.50%.
A 5/1 jumbo ARM provides a fixed rate for the first 5 years on a high-balance loan above conforming limits, then adjusts annually. It balances a meaningfully lower initial rate against a 5-year window of rate certainty — ideal for jumbo borrowers with a medium-term ownership plan.
5/1 Jumbo ARM rates reflect the initial fixed-rate period. Jumbo ARM rates will adjust after 5 years based on market conditions. Last Updated and Verified: May 10, 2026
Compare 5/1 Jumbo ARM Rates Today
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Alhambra, AZ
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM
5.38%
5.40%
▼
Rate5.38%
APR5.40%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Hammond, FL
Jumbo 5/5 ARM
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points0.250
UpdatedMay 10, 2026
Details
As Low As
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Angwin, CA
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM
360
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Alhambra, AZ
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/5 ARM
5.50%
5.52%
▼
Rate5.50%
APR5.52%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
Benicia, CA
15 Year Jumbo
5.38%
5.53%
▼
Rate5.38%
APR5.53%
Points0.750
UpdatedMay 2, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Hammond, FL
Jumbo 5/5 ARM
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMay 10, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Annapolis, MD
15 Year Jumbo
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.875
UpdatedMay 2, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
Allen, TX
Jumbo ARM (5/5)
30 years
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMay 6, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Athol, ID
Fixed Rate 15 Year Jumbo Loan
15
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMay 2, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Annapolis, MD
15 Year Jumbo
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.500
UpdatedMay 2, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Annapolis, MD
15 Year Jumbo
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.125
UpdatedMay 2, 2026
Details
As Low As
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Berkeley, CA
5/1 30-Year Adjustable Jumbo
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedMay 2, 2026
Details
$832,751 to $2,500,000
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Berkeley, CA
5/1 30-Year Adjustable Jumbo
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Berkeley, CA
5/5 30-Year Adjustable Jumbo
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMay 2, 2026
Details
$832,751 to $2,500,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Arnold, CA
15-Year Jumbo
5.75%
5.94%
▼
Rate5.75%
APR5.94%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Bradenton, FL
5/1 ARM (Jumbo)
5.62%
5.99%
▼
Rate5.62%
APR5.99%
Points0.000
UpdatedMay 10, 2026
Details
No additional details available.
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Berkeley, CA
5/5 30-Year Adjustable Jumbo
6.00%
5.99%
▼
Rate6.00%
APR5.99%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Abington, NJ
15 Year Jumbo
15 Year Jumbo
5.97%
6.00%
▼
Rate5.97%
APR6.00%
Points0.000
UpdatedMay 6, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Algonquin, IL
Jumbo Adjustable-Rate Mortgages 5/1
5/1
5.75%
6.05%
▼
Rate5.75%
APR6.05%
Points0.000
UpdatedMay 7, 2026
Details
As Low As
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Camarillo, CA
5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT*(2)
5.62%
6.08%
▼
Rate5.62%
APR6.08%
Points0.000
UpdatedMay 2, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Algonquin, IL
Jumbo Adjustable-Rate Mortgages 5/1
5/1
5.75%
6.09%
▼
Rate5.75%
APR6.09%
Points0.000
UpdatedMay 7, 2026
Details
As Low As
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Bloomington, CA
5/1 ARM - 30 Year Term Jumbo Mortgages
5.75%
6.11%
▼
Rate5.75%
APR6.11%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Bristol, MA
Jumbo Adjustable Rate (ARM) 5/5
5.62%
6.18%
▼
Rate5.62%
APR6.18%
Points0.000
UpdatedMay 10, 2026
Details
No additional details available.
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Camarillo, CA
5/6 ARM 2/1/5 Jumbo 30 day avg. SOFR*(1)
5.75%
6.19%
▼
Rate5.75%
APR6.19%
Points0.000
UpdatedMay 2, 2026
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Apache Junction, AZ
Mortgage Refi Jumbo 5/6 ARM
5.25%
6.20%
▼
Rate5.25%
APR6.20%
Points1.000
UpdatedMay 2, 2026
Details
No additional details available.
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Camarillo, CA
7/6 ARM 5/1/5 Jumbo 30 day avg. SOFR*(3)
5.88%
6.20%
▼
Rate5.88%
APR6.20%
Points0.000
UpdatedMay 2, 2026
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Apache Junction, AZ
Mortgage Purchase Jumbo 5/6 ARM
5.25%
6.20%
▼
Rate5.25%
APR6.20%
Points1.000
UpdatedMay 2, 2026
Details
No additional details available.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Bakersfield, CA
15-Year Jumbo Fixed
15
6.12%
6.21%
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMay 7, 2026
Details
No additional details available.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Bakersfield, CA
5/6 ARM Jumbo 30-Year Variable
30
5.62%
6.28%
▼
Rate5.62%
APR6.28%
Points0.000
UpdatedMay 7, 2026
Details
No additional details available.
Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Banning, CA
Jumbo 5/6 Month Sofr ARM
6.00%
6.29%
▼
Rate6.00%
APR6.29%
Points0.000
UpdatedMay 2, 2026
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Christiansburg, VA
5-Year Jumbo ARM
360
5.12%
6.54%
▼
Rate5.12%
APR6.54%
Points1.875
UpdatedMay 6, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Charlottesville, VA
5-Year Jumbo ARM
360
5.12%
6.54%
▼
Rate5.12%
APR6.54%
Points1.875
UpdatedMay 10, 2026
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Christiansburg, VA
5-Year Jumbo ARM
360
5.50%
6.56%
▼
Rate5.50%
APR6.56%
Points0.500
UpdatedMay 6, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Charlottesville, VA
5-Year Jumbo ARM
360
5.50%
6.56%
▼
Rate5.50%
APR6.56%
Points0.500
UpdatedMay 10, 2026
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Christiansburg, VA
5-Year Jumbo ARM
360
5.12%
6.57%
▼
Rate5.12%
APR6.57%
Points2.125
UpdatedMay 6, 2026
Details
No additional details available.
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MonitorBankRates
The 5/1 jumbo ARM rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Jumbo ARM rates will adjust after the initial fixed period.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
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5/1 Jumbo ARM 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.
5/1 Jumbo ARM — National Avg
6.601%
▲ 0.335% from last week
The 5/1 Jumbo ARM rate rose 0.335 points over the past 7 days to 6.601%, up from 6.266% last week.
Quick Reference — May 2026
Est. payment ($400k loan): $2,555/mo
Loan type: 5/1 Jumbo ARM (adjustable after 5 years)
Best for: Lower initial rate on jumbo loans, mid-term
Data source: 8,500+ lenders verified daily
As of May 12, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
Powered by MonitorBankRates
Jumbo ARM Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 5/1 jumbo ARM rate on this page is sourced directly from the official website of the lending institution. Jumbo ARM 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 Jumbo 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 Jumbo ARM Rates
What is a 5/1 Jumbo ARM?
A 5/1 Jumbo ARM is an adjustable-rate mortgage on a loan that exceeds the conforming loan limit (currently $766,550 in most U.S. counties) with a five-year initial fixed-rate period. The rate stays the same for the first 60 months, then adjusts once per year based on a financial index — typically SOFR — plus a lender margin. The 5/1 Jumbo ARM is the most widely used jumbo ARM structure, offering a meaningful rate discount versus fixed jumbo products while providing five years of payment stability.
What qualifies as a jumbo loan?
A jumbo loan is any mortgage that exceeds the conforming loan limits set annually by the Federal Housing Finance Agency (FHFA). In most U.S. counties, the 2024 single-family limit is $766,550. In designated high-cost areas such as parts of California, New York, and Hawaii, higher limits apply — up to $1,149,825. Loans above these thresholds cannot be purchased by Fannie Mae or Freddie Mac, so lenders retain more risk and typically require stronger borrower qualifications.
How does the rate adjustment work after the 5-year fixed period?
After the initial 5-year fixed period, the rate adjusts annually. Each adjustment is tied to a financial index — most commonly SOFR — plus a fixed margin set by the lender (typically 2.5%–3.0%). For example, if SOFR is 4.50% and the margin is 2.75%, your adjusted rate would be 7.25%, subject to applicable rate caps. The first adjustment is often capped separately from subsequent annual adjustments, and a lifetime cap limits how high the rate can ever go.
What are rate caps on a 5/1 Jumbo ARM?
Rate caps protect borrowers from sudden, large payment increases. A typical 5/1 Jumbo ARM uses a 2/2/5 cap structure: the first adjustment after the fixed period cannot increase the rate more than 2%, each subsequent annual adjustment is also capped at 2%, and the lifetime maximum increase over the start rate is 5%. If your initial rate is 6.50%, your rate can never exceed 11.50%. Always verify the specific cap structure in your loan disclosure, as jumbo lenders sometimes use different cap structures than conforming ARMs.
Who is a 5/1 Jumbo ARM best suited for?
The 5/1 Jumbo ARM is well suited for high-value home buyers who expect to sell or refinance within five years, plan to pay down a significant portion of principal in the early years, or anticipate income growth that would support a higher payment if the rate adjusts. It is also commonly used by professionals who relocate every 4–7 years, executives with short-term assignments, and move-up buyers with a clear 5-year horizon. The 5-year window provides meaningful predictability while still delivering a rate advantage over 30-year fixed jumbo loans.
What are the typical borrower requirements for a jumbo ARM?
Jumbo ARMs carry stricter qualification standards than conforming loans. Most lenders require a minimum credit score of 700–720, with the best pricing for scores above 740 or 760. Down payment requirements typically start at 10%–20% depending on loan size. Debt-to-income (DTI) ratios are generally capped at 43%, and lenders commonly require 12–24 months of cash reserves in liquid assets after closing. Self-employed borrowers should expect more extensive income documentation requirements.
How does a 5/1 Jumbo ARM compare to a 30-year fixed jumbo mortgage?
The 5/1 Jumbo ARM typically offers an initial rate 0.50%–1.25% below a 30-year fixed jumbo mortgage, which on a $1,000,000 loan translates to $415–$1,040 in monthly savings during the fixed period. The trade-off is rate uncertainty after year 5. If you sell or refinance before the first adjustment, you capture the full savings with no rate risk. If you stay beyond 5 years and rates have risen, your payment increases. The decision hinges on your confidence in your 5-year exit plan and your tolerance for rate risk.
What is the difference between interest rate and APR on a jumbo ARM?
The interest rate is your fixed borrowing cost for the first five years. The APR on an ARM is more complex than on a fixed loan — it incorporates the initial rate, projected future rate adjustments (based on current index levels), plus fees and points, all annualized. Because it must project future adjustments, the APR on an ARM is a useful but imperfect comparison tool. It is still the best single number for comparing total cost across lenders, but be aware it rests on assumptions about where SOFR will be after your fixed period.
How are 5/1 Jumbo ARM rates determined?
Lenders price 5/1 Jumbo ARM rates primarily based on the 5-year U.S. Treasury yield and current SOFR levels, adding a spread to cover credit risk, jumbo premium, servicing costs, and profit. Jumbo ARM pricing is influenced by investor appetite on lender balance sheets rather than secondary market demand from Fannie Mae or Freddie Mac, giving lenders more discretion in pricing. Your individual rate also reflects credit score, loan-to-value ratio, property type, loan size, and current market conditions at the time of locking.
What are today's best 5/1 Jumbo ARM rates?
- Credit Union of Southern California Credit Union: 5.38% (Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM)
- Alive Credit Union: 5.38% (Jumbo 5/5 ARM)
- Silverado Credit Union: 5.50% (1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM)
- 1st Northern California Credit Union: 5.38% (15 Year Jumbo)
- Tower Federal Credit Union: 5.50% (15 Year Jumbo)
30-Year Fixed rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated: May 10, 2026
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