Adjustable Rate Mortgages. The credit union offers 5-Year Adjustable Rate Mortgage (ARM) products to purchase or refinance your primary residence, second home, and investment property for members who reside in and for properties located in North Carolina only. Adjustable Rate Mortgages Fixed Rate Mortgages Personal Lending Closed-End Fixed-Rate Signature GAP Coverage Open-End Variable Rate Signature Share Secured Closed-End Fixed-Rate Share Term Certificate (STC) Term Note Vehicle Loans.