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Infinity Federal Credit Union (FCU) Adjustable-Rate Mortgages (ARMs) begin with a low, fixed rate, and then adjust upward or downward after the initial fixed term. These loans are ideal if you need a larger loan amount but want to keep your payments lower initially. An ARM may also be a good choice if in the years ahead, you expect your income to increase or plan to move or refinance when the rate adjusts.

ARMs contain two numbers: the first refers to the number of years the interest rate at closing remains fixed, the second is the number of years in between interest rate changes after the initial fixed term expires. Our 15/15 ARM has the same interest rate for 15 years after closing, and then the rate would adjust once.

Infinity FCU’s 15/15 Adjustable Rate Mortgage with 97% Loan to Value ratio allows you to maximize your buying power and enjoy the stability of a low fixed rate for 15 Years with the advantage of a 30-year repayment period.


15/15 ARM

5.000% (5.588% APR*)

Jumbo 15/15 ARM (Loans over $453,100)

5.000% (5.588% APR*)


  • 97% Loan to Value Ratio with Private Mortgage Insurance (PMI)
  • 95% Loan to Value Ratio without PMI
  • Flexible payment options
  • No pre-payment penalty
  • Rate locked in for the first 15 years
  • One-time Rate adjustment after the 15th year
  • Amortization 30 Years
  • Free Pre-Qualification
  • In-house underwriting and processing for quick decisions
  • Flexible closing times/days available (including evenings and most weekends)

Helpful Information

Click here to view our Rate Schedule.

Call (207) 854-6000 Ext 4135

Click here to apply.

Visit any of our four locations to speak with a Member Service Representative.



*ARP = Annual Percentage Rate. Rates current as of 4/17/2018 and subject to change without notice. APR varies based on credit qualifications and loan amount. Loans available for up to 97% of property's value. Adjustable rate subject to change once after the 15th year of loan term and will be based on the 10 yr. Treasury Constant Maturity Rate plus 2.750% rounded to nearest eighth. Infinity FCU Membership required; please contact us for details.