Best 5/1 Jumbo ARM Rates August 2026 | As Low As 5.13%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 5/1 Jumbo ARM mortgage market includes offers such as Randolph Brooks FCURandolph Brooks FCU1 IKEA RBFCU Parkway, Allen, TX 75002A+5.0 ★Texas Ratio: 4.42% offering Jumbo 5/5 Adjustable-Rate Mortgage at 5.50%, and Firstmark Credit UnionFirstmark Credit Union10610 Potranco Rd, Fredericksburg, TX 78121 4495A+5.0 ★Texas Ratio: 3.69% offering 5/5 Jumbo ARM - 30yr at 5.38%, and SunwardSunward1 Liberty Square Cir, Albuquerque, CA 81301 5104A+5.0 ★Texas Ratio: 3.78% offering Jumbo 5/5 1 Loan at 5.50%, and Sharon And Crescent United Credit UnionSharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA 02032 1018A+5.0 ★Texas Ratio: 2.94% offering Refinance Your Mortgage - On The House - 5/5 ARM Jumbo at 5.50%, and Credit Union of Southern CaliforniaCredit Union of Southern California100 S Main St Ste 110, Alhambra, AZ 86403A+5.0 ★Texas Ratio: 2.43% offering Jumbo Adjustable Rate Mortgage (ARM) Rate - 5/1 ARM at 5.88%.
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: August 28, 2026
Compare 5/1 Jumbo ARM Rates Today
As low as; Your interest rate and payment are subject to change (up or down) every five years for the remaining loan term.
As Low As; More rate info
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As low as; Rate: 6.625%
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Caps: 2/2/6
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Caps: 2/2/5
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Fully Indexed Rate: 6.375%
$832,751-$2,000,000
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$832,751-$2,000,000
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ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM).
As low as; Rate: 6.625%
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As Low As
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caps caps 2/2/6 repayment schedule based on 30 years
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Annual Percentage Rates shown are "as low as."
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First Trust Deed 30 years
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Caps 2/6 - Margin 2.75; Year 1-5, rate 5.625%, 60 payments of $5.76; Year 6-30, rate 6.750%, 300 payments of $6.39
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5/1 Jumbo ARM 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 Jumbo ARM rate fell 0.018 points over the past 7 days to 6.519%, down from 6.537% last week.
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.
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 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?
What qualifies as a jumbo loan?
How does the rate adjustment work after the 5-year fixed period?
What are rate caps on a 5/1 Jumbo ARM?
Who is a 5/1 Jumbo ARM best suited for?
What are the typical borrower requirements for a jumbo ARM?
How does a 5/1 Jumbo ARM compare to a 30-year fixed jumbo mortgage?
What is the difference between interest rate and APR on a jumbo ARM?
How are 5/1 Jumbo ARM rates determined?
What are today's best 5/1 Jumbo ARM rates?
- Randolph Brooks FCU: 5.50% (Jumbo 5/5 Adjustable-Rate Mortgage)
- Firstmark Credit Union: 5.38% (5/5 Jumbo ARM - 30yr)
- Sunward: 5.50% (Jumbo 5/5 1 Loan)
- Sharon And Crescent United Credit Union: 5.50% (Refinance Your Mortgage - On The House - 5/5 ARM Jumbo)
- Credit Union of Southern California: 5.88% (Jumbo Adjustable Rate Mortgage (ARM) Rate - 5/1 ARM)
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