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Illustration of a front door
Illustration of a front door

More house for your money.

Boost your buying power with an adjustable-rate home loan at STCU. 

How it works.

Adjustable-rate loans (also known as adjustable-rate mortgage, or ARM) from STCU help you get into the home you want, with greater buying power and monthly payments that fit your budget. 

Choose from 3/1, 5/1, 7/1, and 10/1 adjustable-rate loans that initially fix your rate, then adjust annually with the market.

Or get the 5/5 home loan, with no loan origination fee!* STCU's 5/5 adjustable-rate mortgage caps your interest rate adjustments to ensure monthly payments are always within reach, even if the cost of money goes up.  

  • Interest rates often lower than fixed-rate loans.
  • Up to 100% financing on 5/5 ARM for qualified buyers.
  • Jumbo loans up to $1 million available.
  • Available for homes purchased in Washington, Idaho, or Oregon.
  • Fast preapprovals.
  • No penalty for selling or refinancing your loan.

We make mortgage decisions locally and service all fixed- and adjustable-rate conventional home loans ourselves, so you can count on us being here for you.

Fixed-rate home loans.

Half off origination fee for first-time homebuyers.


Lower your rate, or improve your terms, on an existing home loan.


FHA, USDA, and VA loans with low to zero down!

Construction loans.

One-step building loans that convert to permanent financing when you move in.


*Down payments required to waive loan origination fee. Origination fee may apply to investment or rental properties that are not owner-occupied.

Application deposit: No deposit is necessary to get preapproved for an STCU loan until you have selected a property.  A $250 application deposit is required on all home loans three business days after you have identified a home to buy and been issued a loan estimate. Although $100 of your deposit will be nonrefundable, STCU applies your deposit to your loan charges due at closing.