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.
APR – Annual Percentage Rate. Rates may be subject to change without notice.
*The minimum loan amount is $10,000 and the maximum is $250,000.  Property insurance is required. Must be a first or second lien position.  All requests are subject to credit approval.  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
 

**HELOC - An introductory Annual Percentage Rate (APR) as low as 1.99% for the first twelve billing cycles with a daily periodic rate of 0.005452%. Thereafter, the APR will be set on the 25th business day of each month which will be either a floor rate of 3.50% APR with a daily periodic rate of 0.009589%, or, the Prime Rate published in the Wall Street Journal on the 25th day of each month minus 1.00%, whichever is greater. Current Prime Rate is: 4.75% Maximum rate is 18%. Floor rate is 3.50%. 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 $475 to $700. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. 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 $487 to $1,243 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 06/24/2022. 

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 Offer may be withdrawn without notice.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..
 

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.