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Make your dreams a reality with our new Adjustable Rate Mortgage Special — get a great rate for purchase or refinance!

Our 15/15 ARM offers the flexibility you need to easily finance or refinance your dream home.

Program Features:

  • Rate is fixed for 15 years and adjusts once at end of 15th year
  • 4% cap at adjustment
  • Payments amortized over 30 years
  • 0% down option available**

Get $500 Toward Closing Costs

In celebration of our new 15/15 ARM, we’ll even throw in $500 towards closing costs!*

Get started today:

*EPFCU reserves the right to withdraw this offer at any time without notice. Property must be located in the United States or the District of Columbia. The expected monthly principal and interest payment for a 15/15 conforming adjustable rate mortgage of $300,000 at an initial interest rate of 2.875% with zero points (2.929% APR) is $1,245. Payment does not include taxes or insurance; actual payment may be higher. Rate is variable and can increase by no more than four percentage points every 15 years, never to exceed four percentage points above the initial rate (6.875% for this example). When the rate adjusts, your new rate will be the then current index plus a margin of 2.750%, as long as the total adjustment does not exceed the 4.00% adjustment cap. The expected monthly principal and interest payment at adjustment for a subsequent interest rate of 6.875% APR with zero points would be $1,622. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Subject to credit qualifications and approval. Other terms or conditions may apply, please call 703-667-9281 for details. This offer may not be combined with other offers. You must be eligible for membership in EP Federal Credit Union in order for your loan application to be considered. See for eligibility requirements.
**Certain restrictions and limitations apply. Private Mortgage Insurance (PMI) required. Please contact us for more information.