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

  • Borrow up to 80% of your home’s value
  • Min/Max Loan Amount: $15,000 - $250,000
  • Term: 10 year draw; 10 year repayment period
  • No application, origination, or annual fees*
  • Apply 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) of 2.99% for the first twelve billing cycles with a daily periodic rate of 0.00819178%. Thereafter, the APR will be set on the last business day of each month and will be either a floor rate of 3.50% APR with a daily periodic rate of 0.00958904%, or set at the Prime Rate published in the Wall Street Journal on the last business day of each month, whichever is greater. The maximum rate is 18.00% and the floor rate is 3.50%. Draw period is ten years with an additional ten years to repay. Applies to owner-occupied primary residences. Equity is determined by taking 80% of the property value and deducting the balance of any mortgages. If appraisal is required the charge will range from $400 to $550. Properties deeded in a revocable trust will require a legal review and the charge can range from $150.00 to $250.