2/2 Adjustable Rate Mortgage Loan - ARM — Sierra Central Credit Union is a mortgage from Sierra Central Credit Union. The ongoing APR is 5.5% Rate 6.915% *APR as low as. Typical credit limit: Maximum loan amount of $832,750. Loan terms: Fixed interest rate for the first 2 years, adjusts every 24-months for the remaining loan term.; 20 and 30 year terms.