Mortgage Loans

5/5 Adjustable Rate Mortgage (ARM)

A smart mortgage option that combines long-term affordability with flexible terms — ideal for both home purchases and refinances.

What is a 5/5 ARM?
With a 5/5 Adjustable Rate Mortgage, your interest rate is fixed for the first five years and then adjusts every five years thereafter — offering stability with periodic rate flexibility.

Key Benefits:

• Affordable Entry Point: Typically lower initial rates compared to fixed-rate mortgages.

• Budget-Friendly Closing Costs: Closing costs capped at just $750. (Jumbo Loans greater than $750,000 will have maximum closing costs of $1,000.)

• Low Down Payment: Finance your dream with just 10% down — and no private mortgage insurance (PMI) required.

• Flexible Terms: Choose from 15, 20, or 30-year amortization options to fit your financial goals.

• Rate Adjustment Protections:

  • Adjustments only every 5 years

  • Capped at 2.00% per adjustment

  • Maximum 5.00% adjustment over the life of the loan

• Versatile Use: Great for both refinancing an existing mortgage or purchasing a new home.

• Local Expertise: Quick, local decision-making from people who know the Western Wisconsin real estate market.

• Personalized Support: Work with attentive, friendly loan advisors who are committed to helping you succeed.

Explore a home loan option that balances security and flexibility — all backed by the local service you trust.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.

Fixed Rate Home Loans

Arcadia Credit Union offers a variety of fixed-rate mortgage options to help make homeownership possible. Whether you're buying your first home, looking for lower down payment options, or eligible for veteran benefits, our lending team is here to help.

Mortgage Options

VA Loans
No down payment options and competitive fixed rates for eligible veterans, active-duty service members, and qualifying military families.

FHA Loans
Lower down payment requirements and flexible credit guidelines designed to help more buyers qualify.

Conventional Loans
Low down payment options with stable, predictable monthly payments.

In-House Mortgage Options
Our 10-Year Fixed Rate Mortgage is ideal for homeowners looking to pay off their loan faster and save on interest.

Why Choose a Fixed Rate Mortgage?

A fixed-rate loan offers consistent monthly payments and a stable interest rate for the life of the loan, making it easier to budget and plan for the future.

Benefits include:

? Predictable monthly payments
? Competitive fixed rates
? Multiple loan term options (10, 15, 20, and 30 years)
? Local lenders who understand the Western Wisconsin market

Get Started Today

Applying for a mortgage is simple.

Apply Online
Start your application anytime through our secure online system, here!

Prefer Paper?
Download our Mortgage Application and submit in person at our office or submit it online with our secure email service.

Have questions or want current rates?
Call our lending team at 608-323-2126 or 1-800-325-2126.

Recreational Land & Vacation Home Loans

Turn your getaway dreams into reality — whether it’s a cabin in the woods, a lakeside retreat, or a piece of land for future adventures.

Why Finance with Us?

We make financing recreational properties simple, affordable, and local — with low costs and flexible terms designed to help you enjoy more and stress less.

Key Benefits:

• Low Closing Costs: Pay no more than $750 in closing costs — keeping more money in your pocket. (Jumbo Loans greater than $750,000 will have maximum closing costs of $1,000.)

• Low Down Payment: Finance your dream with just 10% down — and no private mortgage insurance (PMI) required.

• Long-Term Flexibility: Enjoy terms of up to 30 years for manageable monthly payments.

• Local Experts: Get guidance from friendly loan advisors who understand the unique recreational property market in Northern & Western Wisconsin.

• Fast, Local Decisions: We offer a quick, local approval process tailored to your needs.

Whether it’s for weekend escapes or long-term investment, our Recreational Land & Vacation Home Loans are designed to help you make the most of every season.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.

Construction Loans

Build your dream home with confidence — backed by flexible terms, competitive rates, and trusted local support every step of the way.

Build Smarter with Our Construction Loans:

• Competitive Rates: Affordable financing tailored to your home construction project.

• 9-Month Terms: Designed to fit your building timeline and construction needs.

• Versatile Use: Perfect for primary residences, second homes, or home improvement projects.

• Streamlined Process: Get convenient approval for permanent financing at the same time as your construction loan — no need to reapply later.

• Interest-Only Payments: Make monthly interest-only payments on the funds you've drawn.

• Pay-As-You-Build: Funds are disbursed in construction draws, based on completed work, and payments are made only on the amount drawn — ensuring your builder gets paid on time.

Our experienced team understands the ins and outs of home construction in Western Wisconsin and will work closely with you from groundbreaking to move-in day.

Complete Your Application

Download our Mortgage Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

For current rates call your local lender at 608-323-2126 or 1-800-325-2126.