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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 5/1 ARM has the same interest rate for five years after closing, and then the rate would adjust every year after that.

5/1 ARM with the advantage of a 40-year repayment period


  • 97% Loan to Value Ratio with Private Mortgage Insurance (PMI)
  • 95% Loan to Value Ratio without PMI
  • Low monthly payment with the advantage of a 40-year repayment period
  • Flexible payment options
  • No pre-payment penalty
  • 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 branch locations to speak with a Member Service Representative.



*APR = Annual Percentage Rate. Rates current as of 9/1/2018 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 5th year of loan term and will be based on the 12-month US Libor index with a margin of 2.75%. Infinity FCU Membership required; please contact us for details.