5/1 Adjustable Rate Mortgage Loan - ARM — Sierra Central Credit Union is a mortgage from Sierra Central Credit Union. The ongoing APR is 6.375% Rate 7.174% *APR as low as. Typical credit limit: Maximum loan amount of $832,750. Loan terms: has a fixed interest rate for the first 5 years and adjusts every 12-months for the remaining loan term.; 20 and 30 year terms.