Home Equity

Home Equity Loans and Lines of Credit

The equity in your home can be a great source of funds if you’re looking for a low-cost loan for major purchases or expenses.  Whether it's a home improvement project, consolidating debt, college tuition, or vacation, we make it easy – in addition to a great rate, we charge you no application fees.

Fixed Rate Home Equity Loan

  • Borrow up to 80% of your home’s value 
  • Min/Max Loan Amount: $10,000 - $250,000 
  • Various terms available
  • Fixed rate for the life of the loan
  • No application fees
  • Apply by calling 800-942-9575.
     

Home Equity Line of Credit

  • Promotional Introductory rate of 1.99% for 24 months*
  • Borrow up to 80% of your home’s value
  • Min/Max Loan Amount: $10,000 - $250,000
  • 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.
The Benefits of Membership

The Benefits of Membership

Align is full service credit union. We can do everything the big banks can, while delivering an experience perfectly tailored to you and your needs. Membership has great benefits!
Convenient Access to Your Accounts

Convenient Access to Your Accounts

With Align’s eServices, you can access your accounts anytime, anywhere, and on any device. Between online banking and our mobile apps, you can take control of your money on your own terms.
APR – Annual Percentage Rate. Rates may be subject to change without notice.

HELOC - An introductory Annual Percentage Rate (APR) as low as 1.99% for the first twenty four billing cycles with a daily periodic rate of 0.00545%. Thereafter, the APR will be set on the 25th business day of each month which will be either a floor rate of 3.00% APR with a daily periodic rate of 0.00822%, or, the Prime Rate published in the Wall Street Journal on the 25th day of each month, whichever is greater.

Maximum rate is 18%. Floor rate is 3.00%. Draw period is 10 years with 10 additional years to repay. Loan must be a first or second lien position.

Equity determined by taking 80% of property value and deducting the balance of any mortgages. If appraisal is required, the charge will range from $400 to $550. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. Rate subject to change after consummation.

Align members must maintain a $5 deposit relationship.

Offer applies to owner occupied primary residences and second home residences only. Offer may be withdrawn without notice. All requests subject to credit approval.