Debit Card Improvements:

We are making improvements to our Debit Card Program effective February 2, 2026.  To learn more please click here

Martin Luther King Jr. Day Closure

All Align branches and the member contact center will be closed on Monday, January 19, 2026 in observance of Martin Luther King Jr. Day. During this period, transactions can be made through online, mobile*, and telephone banking.

*Message and data charges may apply.

Delay of IRA Monthly Required Minimum Distribution: Please be informed that there is a delay affecting the monthly required minimum distributions for members with Individual Retirement Accounts (IRAs). We are actively addressing the issue and sincerely apologize for any inconvenience this may cause.

Member Scam Alert:

Members should be aware of a recent scam where individuals falsely claim to represent Align Credit Union. These callers might say a debit card transaction was attempted and ask you to verify your personal information. If you receive such a call, do not provide any details. Instead, hang up and contact our support center at 800-942-9575 for help. You can also view common signs of a scam by visiting: Fraud & Scam Protection

Mortgages

Mortgages

Buying a home is one of the biggest decisions you can make. Whether you're in the market for your first home, trading up to a new one, or getting ready to downsize, we have a mortgage to match. 
Apply Now View Current Rates

Mortgage Loan Options

Mortgage Calculator Resource

If you wish to evaluate mortgage payment options, our online calculators can assist you in estimating potential payments, determining affordability, assessing qualification amounts, and exploring additional scenarios.

Mortgage Calculators

Fixed Rate Mortgages

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don't plan to move for a number of years
    • You don't want to worry about rising interest rates
    • You expect your income to remain stable.
Apply Now

Adjustable Rate Mortgages

  • Various terms available
  • Fixed interest rate for the initial term and then adjusts according to an index
  • Saves money with lower starting rate than fixed-rate loans
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years
    • You want a lower monthly payment and are comfortable with a variable rate.
Apply Now

Homebuyer Webinars

  • How do I get pre-approved?
  • What type of mortgage is right for me?
  • What is the process and timeline?
  • How do I make an offer on a property?
  • What are the benefits of borrowing locally?
  • Can I still buy a home if I have had past credit issues?


Register

Disclosure:
Membership eligibility requirements apply. Membership must be established prior to closing. Members must maintain a $5 deposit relationship.

 

Featured Rates

View Current Rates

30 Year Fixed

6.107
% APR**

5/1 ARM

5.981
% APR**

Home Equity Line of Credit

5.240
% APR*

Start Your Application

If you’re thinking about buying a home, now or down the road, speak with us first. We’ll look at your unique situation and build a customized plan.

Important Notice Before You Apply
Align Credit Union offers many products to suit your individual needs. This Pre-Application request will guide you through some of the important questions and information needed to process your loan. We’re here to assist you. You will need to create an account to start the process. You may save your Pre-Application at any time to either return and complete it, or to contact a Mortgage Originator for assistance. Please complete all of the information fields that are applicable to your situation. The information will be provided to your Align Credit Union Mortgage Originator, who will contact you to help you complete your Pre-Application request. To prepare, the following items will be helpful to have available:

  • Social Security numbers for each Borrower
  • Employment history and income amounts
  • Information on assets, liabilities and expenses

After completing the Pre-Application request, your Mortgage Originator will contact you to complete the process and explain all available loan programs and to discuss what works best for you. Please note this is not a credit application. Don’t hesitate to contact us with any questions during your Pre-Application request.


Please note: Membership eligibility requirements apply and membership must be established prior to closing.


Apply Now

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