Best 7/1 ARM Mortgage Rates March 2026 | As Low As 4.88%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Today's 7/1 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: 3.29% offering 7/6 ARM at 4.88%, and Signal Financial Federal Credit UnionSignal Financial Federal Credit Union1101 New York Ave NW, Ashburn, DC 20005 4269A+5.0 ★Texas Ratio: 3.69% offering 7/1 ARM at 5.25%, and Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149A+5.0 ★Texas Ratio: 5.62% offering 7/6m ARM Adjustable-Rate, Conventional at 5.25%, and Skyone Federal Credit UnionSkyone Federal Credit Union14600 Aviation Blvd, El Segundo, CA 75067 4151A5.0 ★Texas Ratio: 11.07% offering Adjustable-Rate Mortgage ARMs (Conforming) 7/1 at 5.25%, and Century Federal Credit UnionCentury Federal Credit Union101 W Prospect Ave, Cleveland, OH 44070A+5.0 ★Texas Ratio: 4.21% offering 7/1 ARM - 30 Year (up to 85% LTV) at 5.35%.
A 7/1 ARM provides a fixed interest rate for the first 7 years, then adjusts annually. It sits between the shorter 5/1 ARM and a fully fixed 30-year loan — offering a lower initial rate than fixed mortgages with more time certainty than a 5/1 ARM.
7/1 ARM rates reflect the initial fixed-rate period. Your rate will adjust after 7 years based on market conditions. Last Updated and Verified: March 22, 2026
7/1 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 7/1 ARM rate rose 0.077 points this week to 6.114%, up from 6.037% last week.
Compare 7/1 ARM Mortgage Rates Today
No additional details available.
No additional details available.
As Low As; starting at
As Low As; starting at
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
$832,751
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; 7 Year ARM variable rate
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
84 / 276 Months; 5.375% / 6.710% Rate
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
80% Max Loan to Value; 97% Max Loan to Value (with Private Mortgage Insurance); Purchase & Refinance Transactions; Primary Residence; More Info
80% Max Loan to Value; 97% Max Loan to Value (with Private Mortgage Insurance); Purchase & Refinance Transactions; Primary Residence; More Info
No additional details available.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
ARM Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 7/1 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 7/1 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 7/1 ARM Rates
What is a 7/1 ARM?
How does the rate adjustment work after the 7-year fixed period?
What are rate caps on a 7/1 ARM?
Who is a 7/1 ARM best suited for?
How does a 7/1 ARM compare to a 30-year fixed mortgage?
How does a 7/1 ARM compare to a 3/1 or 5/1 ARM?
What happens if I stay in the loan past the 7-year fixed period?
What is the difference between interest rate and APR on a 7/1 ARM?
How are 7/1 ARM rates determined?
What are today's best 7/1 ARM rates?
- Aloha Pacific Federal Credit Union: 4.88% (7/6 ARM)
- Signal Financial Federal Credit Union: 5.25% (7/1 ARM)
- Affinity Plus Federal Credit Union: 5.25% (7/6m ARM Adjustable-Rate, Conventional)
- Skyone Federal Credit Union: 5.25% (Adjustable-Rate Mortgage ARMs (Conforming) 7/1)
- Century Federal Credit Union: 5.35% (7/1 ARM - 30 Year (up to 85% LTV))
More Mortgage Rate Options
