Adjustable Rate Mortgages

The best of both worlds - Lock in your rate & don't worry about refinancing!

Rates can be unpredictable

With our Adjustable Rate Mortgage, you can get the best of both worlds. You can lock in your rate for up to 10 years plus your rate will go down if rates fall so you don't have to worry about refinancing. 
  • Lower interest rate at time of purchase
  • Ability to lock in rate for 5, 7 or 10 years 
  • Minimum down payment as low as 5%
  • Competitive interest rates available for Veterans & Jumbo Loans
Financial Education
New! Financial Education Center to help you with every financial situation.

Meet Our Lending Team

Our experienced mortgage lenders are happy to explain all of our loan options and guide you through the application process.

Jeanne Abate

Senior Mortgage Originator
Office: 401.637.4415
NMLS ID: #529809
Email: (Please note email is not secure)
Serving: Charlestown, Hopkinton, Westerly, RI and New London County, CT.

Jeff VanderVorste

Senior Mortgage Originator
Office: 401.637.4446
NMLS ID: #16862
Email: (Please note email is not secure)
Serving: Exeter, South Kingstown, North Kingstown, Narragansett, Newport County, and Richmond, RI.
Have questions? Contact us or visit our Mortgage Frequently Asked Questions.
Need to be pre-approved?  Just fill out the form below and we get you on your way to owning your home! 

Mortgage Pre-Approval

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WCCU NMLS ID: # 518892.

For a list of WCCU employees currently licensed with a NMLS#, visit the NMLS Consumer Access website or feel free to contact us.

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, RichmondWakefield, and Coventry.

Free Credit Report Review

We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.