Home Equity

IMPORTANT MESSAGE: TO OUR MORTGAGE & HOME EQUITY APPLICANTS - Due to the extraordinarily high volume of refinance & home equity applications, it may take us longer than normal to respond to your request. Home Equity and Refinance applications may take up to 90 days to close. We are doing our best to prioritize home purchase applications to ensure we meet closing dates. We request that you allow us a minimum of 45 to 60 days from the date that we receive the property address to date of closing. It is important to let your realtors know this timeframe when preparing your offer to purchase because purchase applications may take up to 60 days. Thank you for your patience and we appreciate you considering Align Credit Union for your lending needs.


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 origination fees.
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.

An introductory annual percentage rate (APR) of 5.99% for the first twelve billing cycles with a periodic rate of 0.00499167%. 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 periodic rate of 0.00291667%, 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 70% of the property value and deducting the balance of any mortgages.
.