Sample ARM Disclosure

Below are links to a sample ARM disclosure form to modify for your credit union's use. If you already have an appropriate disclosure, by all means use it. Although a substantial amount of care went into constructing the example, you should of course secure legal advice on the form you actually use. If your margin will be other than 2.75%, or if your program will have other terms that need to be disclosed, you will of course need to modify the form. Special thanks to Navy Federal Credit Union and Security Service Federal Credit Union for their assistance in creating the sample. If you have any questions or comments on the form, please send them to