Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Online Banking

What can we help you find?

Adjustable Rate Mortgage



Adjustable Rate Mortgages (ARMs) are home loans that offer a fixed-rate period from one to seven years before becoming annually adjustable up or down according to the benchmark rate. ARM loans are attractive to homebuyers who don’t plan to keep their house long-term or who want to take advantage of a lower introductory rate.


Benefits of an ARM Loan from CS Bank

  • Potentially lower rate and payment in the introductory period
  • Potential for the rate to adjust down, depending on the benchmark
  • Can be refinanced into a conventional fixed-rate mortgage

How does an ARM Loan work?


Most ARM loans start out as a fixed-rate mortgage for an initial period of time. After that, the interest rate can adjust up or down according to the benchmark rate it’s linked to. There are usually caps on how much the rate can adjust in one year or over the lifetime of the loan.

ARM Loan Alternatives


If you’re looking for an affordable mortgage option, you may also want to consider an FHA loan, which offers relaxed credit standards for qualified buyers, or a VA loan, which provides up to 100% financing to qualified active service members and veterans.

Not sure if a variable rate mortgage is right for you? Contact the lending team at CS Bank!


Apply for an Adjustable Rate Mortgage!


Are you looking for a variable-rate mortgage in Northwest Arkansas? As the area’s number one home lender, CS Bank offers a variety of home loan options to meet your needs. Apply online today!

To learn more, check out our loan calculator, fill out our online contact form, or visit one of our convenient locations in Eureka Springs, Huntsville, Harrison, Holiday Island, or Berryville, Arkansas to speak with a loan officer.