Home Equity Line of Credit
- 5.490% APR* Introductory rate fixed for 12 months; then Prime minus 1.00%. The current rate without introductory offer is 6.500% APR*.
- Borrow up to 80% of your home's value
- Min/Max Loan Amount: $10,000 - $250,000
- Term: 10 year draw; 10 year repayment period
- No application or annual fees*
- Manage your account online through Online or Mobile Banking
- Apply online or by calling (800) 942-9575
| Product | Intro rate fixed for 12 months | After Introductory Rate | Current Rate without Introductory Offer |
|---|---|---|---|
| Home Equity Line of Credit | 5.490% APR* | Prime - 1.00% adjusting monthly | 6.500% APR |
Disclosure:
APR – Annual Percentage Rate. APR and rates may be subject to change without notice.
*HELOC - An introductory Annual Percentage Rate (APR) as low as 5.49% for the first twelve billing cycles with a daily periodic rate of 0.0150000000%. Thereafter, the APR will be set on the 1st business day of each month which will be either a floor rate of 5.00% APR with a daily periodic rate of 0.0136612022%, or, Prime Rate published in the Wall Street Journal on the 1st day of each month minus 1.00%, whichever is greater.
Current Prime Rate is: 7.50%
Maximum APR is 18%. Floor rate
is 5.00%. 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. 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 $702.44 to $1,899.29 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 07/18/2025.
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 Offer may be withdrawn without notice.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.
Fixed Rate Home Equity Loans
- 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 online or by calling (800) 942-9575
| Product | Rates | APR | Cost per $1000 |
|---|---|---|---|
| Fixed 5 Year | 6.000% | 6.284% APR** | $19.33 |
| Fixed 10 Year | 6.500% | 6.657% APR** | $11.35 |
| Fixed 15 Year | 6.750% | 6.864% APR** | $8.85 |
| Fixed 20 Year | 7.000% | 7.094% APR** | $7.75 |
Disclosure:
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.
Align members must maintain a $5 deposit relationship.
