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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.29% Apply
5 Year ARM 3.25% Apply
New/Used Auto Purchase2.25%Apply
Annual Percentage Yield as high as:
Variable IRA0.40%Apply
Money Market0.50%Apply
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Annual Percentage Rate as low as:

30 Year Fixed 4.29% Apply
15 Year Fixed 3.54% Apply
5 Year ARM 3.25% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.17% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase2.25%Apply
New/Used Auto Refinance2.25%Apply
New RV8.25%Apply
Used RV8.50%Apply
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Our Process

Refinance

For many people, buying a home is the biggest financial move they’ll ever make.  At Align, we want to make it easy.  From buying your first home or trading up to construction projects or refinances, we’ve got you covered with competitive rates, personalized service, and loan program tailored to your needs.

The Align Difference

When you come to Align for your mortgage, you’ll receive:
  • A team of Home Financing Consultants who live locally in the communities we serve and can provide expert guidance every step of the way.
  • Free pre-approvals, including a convenient online application so you can get pre-approved day or night
  • A variety of programs and rates to choose from
  • Helpful calculators to determine rate, cost, and monthly payments

Refi 101

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. But is it the right option for you? Align can help you decide by looking at the big picture and what you want to accomplish. Some possible reasons to refinance are:

  • You want to lower your monthly payment.
  • You want to reduce the total amount you pay for your home.
  • You want to use your home’s equity to take cash out.
Contact one of our experts today to discuss your options and get started.

Fixed Rate Mortgages

The most common type of mortgage, the fixed rate mortgage is ideal for homeowners who want the certainty of a predictable monthly principal and interest payment.

  • A variety of repayment terms, including 15, 20, and 30 years
  • Offers protection from rising interest rates during the loan term
  • A great choice for homeowners who plan to stay in their homes for a long time
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available
Contact one of our Home Financing experts for additional information and questions or apply today.

Adjustable Rate Loans

Adjustable rate mortgages (ARMs) have an interest rate that may periodically change. Generally, these changes are determined by a margin and an index so that the interest rate changes, up or down, are based on market conditions at the time of the change.

  • A variety of repayment terms featuring a fixed rate for a designated time period, including 5, 7, or 10 years – with an annual interest rate and payment change during the remainder of the term
  • Usually offers a lower rate than a fixed rate loan during the initial fixed rate period
  • A good option for buyers who plan to sell within 5 to 10 years
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available
Contact one of our Home Financing experts for additional information and questions or apply today.

Cash Out Refinance

Taking cash out when you refinance means receiving a one-time cash payment at the time of the refinance. To get cash out, you need to get the loan for more than you currently owe on your principal mortgage balance.

  • Consolidate high interest debt
  • Home improvements
  • College tuition
  • Make a big purchase
  • Yield the tax benefits*
Contact one of our Home Financing experts for additional information and questions or apply today.

*Consult your tax advisor.

Apply ApplyCalculators

Email us for a $500* coupon off closing costs.

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Or, send an email directly to homeloans@aligncu.com.

We will be in touch within 24 hours during credit union business hours.

*Minimum $150,000 loan amount and must be submitted at time of application. For new mortgages only.