Get 6.500% APR¹ With Our Premier 5/5 ARM

Don’t let rising mortgage rates shut you out of the housing market! CU SoCal’s 5/5 ARM (Adjustable Rate Mortgage) has an initial rate as low as 6.500​% APR for the first five years of the loan, far below current average rates on 30-year fixed rate loans. The 5/5 ARM is our most popular loan right now!

Get Low Monthly Payments and More Borrowing Power

  • Initial rate as low as 6.500% APR for first five years.
  • Down payments as low as 5%
  • Adjusts every five years
  • Purchase or refinance
  • Flat $995 origination fee.
  • Rate adjustments are capped to keep your mortgage affordable.

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How it Works


No changes for the first 5 years

Your low payment stays the same for the first 5 years of the loan.


2% adjustments after 5 years

After 5 years, your rate may adjust up or down by 2%.


No increases greater than 5%

The rate will never increase more than 5% above the initial rate for the life of the loan.

Save thousands with CU SoCal Home Rewards.

Sell your home for a flat 1.5% listing fee2 and receive a 20% commission rebate when you buy a home3.

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Hear from others like you who made it happen.

We were surprised how quickly we got our home loan. The staff at CU SoCal were very helpful and explained the details of our home loan thoroughly.

Connie & Edward, Members since 2009

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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


562.698.8326 | 866 CU SoCal Se Habla Español