Your Mortgage Should Be as Flexible as a Minnesota Forecast. Smart. Flexible. Made for Life’s Seasons.
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At SMW Financial Credit Union, we know that life—and the market—can shift in an instant.
Whether you’re purchasing your first home or refinancing, now is the time to take advantage of this flexible, budget-friendly option.
- Fixed at First, Flexible Later
- Stable start: Fixed rate for the first 5 or 7 years
- Smart adjustments: Rates adjust annually after the fixed period, based on a standard Treasury index
- Protection built in: Caps in place to prevent large jumps — including a lifetime cap of 6.00% and a floor rate of 2.75%
All loans are subject to credit approval and program qualifications. Membership eligibility required.
Ready to Shift Smart?
Apply today and start your journey with confidence.
Apply Today and make your mortgage work for you, not the other way around.
All loans subject to credit approval and program qualifications. Offer applies to SMW Financial Credit Union’s 5/1 or 7/1 Adjustable-Rate Mortgage and cannot be combined with any other offers or discounts. *For the 5/1 ARM the initial rate is 1.00% below the posted rate on Servion's daily rate sheet and is fixed for the first 60 months. **For the 7/1 ARM the initial rate is 0.75% below the posted rate on Servion's daily rate sheet and is fixed for the first 84 months. After the initial period, the rate may adjust every 12 months based on the 1-Year U.S. Treasury Constant Maturity Index plus a margin of 2.75%, subject to a 2.00% initial adjustment cap, a 2.00% subsequent adjustment cap, and a 6.00% lifetime cap. The floor rate is 2.75%. Applications must be submitted between 12:01 AM CST on June 1, 2025 and 11:59 PM CST on August 31, 2025 to qualify for special rate discount. Rates and terms are subject to change without notice. See credit union for full details. Membership eligibility required. Federally insured by NCUA.