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 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) as low as 2.99% for the first twelve billing cycles with a daily periodic rate of 0.00819%. 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 0.00959%, 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 3.50%. 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 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. Properties deeded in a revocable trust will require a legal review and the charge can range from $150.00 to $250. An early termination fee of no more than $750 may be imposed to cover fees paid to third parties if line is discharged within 24 months of note date.
 
Offer applies to owner occupied primary residences and second home residences only. Offer may be withdrawn without notice. All requests subject to credit approval.