The Peach State Federal Credit Union is a mortgage from Peach State Federal Credit Union. The ongoing APR is Rate 6.125%; APR* (as low as) 6.701% (Loan to Value (LTV) <=80%; Effective October 14, 2026). Typical credit limit: The maximum loan amount is $832,750.00.. Loan terms: Loan terms up to 30 years. ARM rates adjust every 5, 7, or 10 years through loan maturity based on the Index. The new rate will be calculated by adding a margin of 2.75% to the Current Index. The maximum the rate can increase each 5, 7, or 10 year adjustment is 2% with a maximum lifetime rate of 6.95%..