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COMING SOON: We’re introducing a new look for Citadel’s brand!

Over the next few weeks, you may see some changes on our website, as well as Online and Mobile Banking. As a valued member, we'll keep you informed as we start rolling out changes.   Learn More

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What is a 5/1 ARM?

Frequently Asked Question

A 5/1 ARM mortgage is a hybrid Mortgage that combines features from an adjustable rate mortgage and a fixed mortgage. It starts with a fixed rate for a certain number of years, but then changes to an ARM with the rate changing every year for the rest of the term of the loan.