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 origination fees.

Fixed Rate Home Equity Loan

  • Borrow up to 70% of your home’s value 
  • Min/Max Loan Amount: $10,000 - $125,000 
  • Various terms available
  • Fixed rate for the life of the loan
  • No application or origination fees
  • Apply by calling 800-942-9575.
     

Home Equity Line of Credit

  • Borrow up to 70% of your home’s value
  • Min/Max Loan Amount: $15,000 - $125,000
  • 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.
An introductory annual percentage rate (APR) of 3.99% for the first twelve billing cycles with a periodic rate of 0.0109%. Thereafter, the APR will be set at the beginning of each monthly billing cycle and will be either a floor rate of 3.50% APR with a periodic rate of 0.00959%, or the Prime Rate as most recently published in the Wall Street Journal rounded to the nearest one-quarter of one percent, whichever is greater. Prime rate is 3.25% as of 3/16/20. 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. Rate is subject to change after consummation. Offer only applies to owner-occupied residences. Equity is determined by taking 70% of the property value and deducting the balance of any mortgages. The minimum loan amount is $15,000 and the maximum is $125,000. Property insurance is required. There is a $125 review fee if the property is in a trust. Align Credit Union members must maintain a $25 deposit relationship. All requests are subject to credit approval. To find out about deductibility, please consult a tax advisor.