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Home Equity Line of Credit
- Borrow up to 90% of your home's value
- Min/Max Loan Amount: $10,000 - $400,000
- Term: 10 year draw; 10 year repayment period
- No application or annual fees
- Manage your account online through Online or Mobile Banking
- Apply online or by calling (800) 942-9575
| Product | Intro rate fixed for 12 months | After Introductory Rate | Current Rate without Introductory Offer |
|---|---|---|---|
| Home Equity Line of Credit | 5.240% APR* | Prime - 1.00% adjusting monthly | 6.000% APR |
Disclosure:
APR – Annual Percentage Rate. APR and rates may be subject to change without notice.
*HELOC - An introductory Annual Percentage Rate (APR) as low as 5.24% for the first twelve billing cycles with a daily periodic rate of 0.0287123288%. Thereafter, the APR will be set on the 1st business day of each month which will be either a floor rate of 5.00% APR with a daily periodic rate of 0.0273972603%, or, Prime Rate published in the Wall Street Journal on the 1st day of each month minus 1.00%, whichever is greater. The current APR, as of 08/31/2026, is 5.75% based on a Prime Rate of 6.75%.
Maximum APR is 18%. Floor rate is 5.00%. Actual rate and margin offered may be adjusted based on credit history and other factors - this may result in a higher rate than our published rate. Draw period is 10 years with 10 additional years to repay. Equity determined by taking 90% of property value and deducting the balance of any mortgages. If appraisal is required, the charge will range from $475 to $700. The minimum loan amount is $10,000 and the maximum is $400,000. Rate subject to change after consummation. An Early Termination Fee will be assessed if the HELOC is closed within the first 24 months after consummation. The fee will range from $652.60 to $2,690.91 and will be determined based upon the fees incurred by Align Credit Union during the processing and consummation of the HELOC. Annual Percentage Rate (APR) is accurate as of 08/31/2026.
Offer may be withdrawn without notice. All requests subject to credit approval. Property insurance is required. Must be a first or second lien position. All requests subject to credit approval.
Align members must maintain a $5 deposit relationship.
Fixed Rate Home Equity Loans
- Borrow up to 90% of your home's value
- Min/Max Loan Amount: $10,000 - $400,000**
- Various terms available
- Fixed rate for the life of the loan
- No application fees
- Apply online or by calling (800) 942-9575
| Product | Rates | APR | Monthly Cost per $1000 (excluding tax & insurance)*** |
|---|---|---|---|
| Fixed 5 Year (60 months) | 6.250% | 6.710% APR** | $19.45 |
| Fixed 10 Year (120 months) | 6.750% | 7.002% APR** | $11.48 |
| Fixed 15 Year (180 months) | 7.000% | 7.183% APR** | $8.99 |
| Fixed 20 Year (240 months) | 7.250% | 7.400% APR** | $7.90 |
Disclosure:
APR – Annual Percentage Rate. Rates may be subject to change without notice.
**The minimum loan amount is $10,000 and the maximum is $400,000. Property insurance is required. Must be a first or second lien position. All requests are subject to credit approval.
***Payments do not include amounts for taxes and insurance, and the actual payment will be greater.
Align members must maintain a $5 deposit relationship.
