Affordable rates for flexibility in the future.

An ARM gives you more purchasing power. You get a fixed rate for the initial period before the mortgage adjusts. Monthly principal and interest payments may increase or decrease when the rate re-adjusts. And you'll saving money upfront because the initial rate is typically lower than a fixed rate option. It's a great way we can help you bring homeownership within reach.

Choose the term that is right for your adjustable rate loan

5/1 ARM

7/1 ARM

5/5 ARM


Click here and complete the information to view our most current daily rates.


The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).

Each employee of a credit union who acts as a mortgage loan originator must register with the Registry, obtain a unique identifier, and maintain this registration in accordance with the requirements of the SAFE Act.

Below are the registered mortgage loan originators of University Credit Union, NMLS #409731.

  • Johanes Angkadjaja – NMLS ID #1411033
  • Estela Nagahashi – NMLS ID #1699957
  • Michelle Pacheco – NMLS ID #662822
  • Sheree Reid – NMLS ID #485777
  • Madeline Rivera – NMLS ID #525467
  • Sheri Sicka – NMLS ID #809498 
  • David L. Tuyo II – NMLS ID #1152000
  • Franklin Young – NMLS ID #424413

One of the objectives of the SAFE Act is to provide consumers with easily accessible information at no charge regarding mortgage loan originators. You may access information at



Request for information related to an existing mortgage loan, or request for resolution of an error or errors in connection with an existing mortgage loan must be made in writing and forwarded via the U.S. mail to the following address:

University Credit Union/TruHome
Member Service Department
9601 Legler Rd.
Lenexa, KS 66219

Mortgage payments sent via U.S. mail should be addressed to:

University Credit Union/TruHome
PO Box 219958
Kansas City, MO 64121-9958

Contact TruHome:

5 a.m. – 6 p.m. PST Monday–Friday, 6 a.m. – 11 a.m. PST Saturday


We also have a special rebate offer. Save 25% on real estate commissions* when you buy (or sell) a home using realty agencies within our Home Benefits Plus program. Apply for an Adjustable Rate Mortgage online or contact us with any questions.

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.