10/6 Adjustable-Rate Mortgage

5.99%

Initial interest rate*

6.44% APR*

The initial interest rate is fixed for 10 years. The interest rate and payment may adjust every six months thereafter.

How Our 10/6 Adjustable-Rate Mortgage Works

With this 10/6 Adjustable-Rate Mortgage, borrowers qualify using the initial 5.99% note rate, subject to credit approval and underwriting. The loan has a 30-year amortization.

  • Up to 100% financing available on eligible loans within the conforming loan limit¹
  • Loans up to $1.5 million with as little as 10% down²
  • Local guidance, local decisions
  • Convenient online application

Meet our mortgage team

All loans are subject to credit approval, income and asset verification, property eligibility and underwriting requirements. Other costs and fees may apply. Membership eligibility required. This is not a commitment to lend. NMLS #449962. *The advertised 5.99% initial interest rate and 6.44% Annual Percentage Rate (APR) are effective as of 10/5/2026 and are based on a representative $400,000 10/6 Adjustable-Rate Mortgage with a 1% origination fee of $4,000 and an $895 administration fee. The initial interest rate applies for the first 120 months. After the initial period, the interest rate may adjust every six months. The interest rate, APR and monthly payment may increase after closing. Rates and terms are subject to change without notice and may not be available to all applicants. ¹Up to 100% financing is available on eligible loans up to the applicable conforming loan limit. ²Loan options up to $1.5 million are subject to applicable loan-to-value and underwriting requirements.

Equal Housing Lender

© 2026 PCFCU

Routing Number: 253978617
PO Box 5846 Columbia, SC 29250

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Palmetto Citizens Federal Credit Union is federally insured by the NCUA.

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Equal Housing Lender

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