Lower Rates, Bigger Opportunities Take Advantage of our New ARM Rates and Make Owning a Home more Affordable 5/1 Adjustable Rate Mortgage as low as 6.75% / 6.83%* Explore all your options! Call our mortgage specialists at 860-441-0902 or visit scientfcu.org/Borrow/Home-Loans Improving people's lives with creative solutions SSCIENT Federal Credit Union *APR = Annual Percentage Rate. Rate is effective as of February 26, 2025 and may be changed at any time. Cost per $1000 is $6.49 and includes principal and interest only. This payment does not include amounts for taxes and insurance premiums, and your actual payment obligation will be greater. The interest rate can change on the first of the month following the initial 60 months of the loan, and on that day every 12th month thereafter (Change Date). On each Change Date, your interest rate will equal the current index (the weekly average yield on the one-year United States Treasury Bill) plus the margin rounded up or down to the nearest 0.125%. As of March 4, 2025, the index is 5.160% and the margin is 2.750%. The rate can never increase or decrease more than 2% on any Change Date, may never be lower than the initial rate, and may never increase more than 6.00% above the initial rate for the term of the loan. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Other terms and conditions may apply. See credit union for details. This credit union is federally insured by NCUA and is an Equal Housing Lender. Lower Rates , Bigger Opportunities Take Advantage of our New ARM Rates and Make Owning a Home more Affordable 5/1 Adjustable Rate Mortgage as low as 6.75 % / 6.83 % * Explore all your options ! Call our mortgage specialists at 860-441-0902 or visit scientfcu.org/Borrow/Home-Loans Improving people's lives with creative solutions SSCIENT Federal Credit Union * APR = Annual Percentage Rate . Rate is effective as of February 26 , 2025 and may be changed at any time . Cost per $ 1000 is $ 6.49 and includes principal and interest only . This payment does not include amounts for taxes and insurance premiums , and your actual payment obligation will be greater . The interest rate can change on the first of the month following the initial 60 months of the loan , and on that day every 12th month thereafter ( Change Date ) . On each Change Date , your interest rate will equal the current index ( the weekly average yield on the one - year United States Treasury Bill ) plus the margin rounded up or down to the nearest 0.125 % . As of March 4 , 2025 , the index is 5.160 % and the margin is 2.750 % . The rate can never increase or decrease more than 2 % on any Change Date , may never be lower than the initial rate , and may never increase more than 6.00 % above the initial rate for the term of the loan . All loans are subject to credit approval . Your overall creditworthiness may determine the interest rate available to you . Other terms and conditions may apply . See credit union for details . This credit union is federally insured by NCUA and is an Equal Housing Lender .