Home Loan Rates

**APR = Annual Percentage Rate.

LTV=Loan-to-Value.

Rates and APR may be subject to change without notice. Rate assumes a 60% loan-to-value, purchase or refinance and a Fico Score over 740. At a 6.485% APR, your repayment cost per $1,000 borrowed is $6.16. Terms may change based on your credit history and other factors. Your APR will vary based on your final loan amount and finance charges. Taxes and insurances not included, your actual monthly payment will be higher if an escrow account is established or required. Offer applies to owner occupied primary residences and second home residences only and must meet secondary market guidelines. Not available for construction loans.

Please contact a loan officer to apply or ask questions. All requests subject to credit approval. Offer may be withdrawn without notice.

An account must be established prior to the loan closing to meet the membership eligibility requirements. Align members must maintain a $5 deposit relationship. 

Your savings federally insured by NCUA. Shares in excess of NCUA limits are fully insured by MSIC. NMLS ID 423280.

Disclosure:

**APR = Annual Percentage Rate. Rates may be subject to change without notice. Adjustable Rate APR subject to increase after initial discount rate period.

¹For example, on a $10,000, 30 year loan with an initial interest rate of 5.500% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 10.500% and the monthly payment can rise from an initial payment of $56.78 to a maximum of $88.50 in the 61st month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 56.78 = $340.68 per month. (Margin 2.50, Floor Rate 5.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)

²For example, on a $10,000, 30 year loan with an initial interest rate of 5.625% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 10.625% and the monthly payment can rise from an initial payment of $57.57 to a maximum of $87.60 in the 85th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 57.57 = $345.42 per month. (Margin 2.50, Floor Rate 5.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)

³For example, on a $10,000, 30 year loan with an initial interest rate of 5.750% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 10.750% and the monthly payment can rise from an initial payment of $58.36 to a maximum of $86.70 in the 109th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 58.36 = $350.16 per month. (Margin 2.50, Floor Rate 5.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)

Please keep in mind that the actual rates offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in a lower or higher rate than our published rate.

Rates displayed assume a 60% loan-to-value, Purchase of a single family residence, and a Fico Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Payment example is based on a loan amount of $100,000.00.

Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Payments listed do not include amounts for taxes and insurances.

Loan must meet secondary market guidelines

Loan-to-value over 80% requires private mortgage insurance.

Loan to value over 80% - add 0.25% to the rate.

Point options are available upon request from your Loan Officer

Membership Requirement: An account must be established prior to the loan closing in order to meet the membership eligibility requirements. Align members must maintain a $5 deposit relationship.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. NMLS ID 423280

Disclosure:
Loan must meet secondary market guidelines, please see additional disclosures below.
Loan to value over 80% requires private mortgage insurance.
Rates displayed assume a 60% loan-to-value, Purchase of a single family residence, and a Fico Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Payment example is based on a loan amount of $1,000,000.00.

Additional Disclosures:

**APR = Annual Percentage Rate

LTV = Loan-To-Value

Please keep in mind that the actual rates offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in a lower or higher rate than our published rates. Rates displayed assume a 60% loan-to-value, purchase of a single family residence, and a FICO Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. Membership Requirement: An account must be established prior to the loan closing in order to meet the membership eligibility requirements.

Payments listed do not include amounts for taxes and insurances. Your actual rate, payment, and costs could be higher.

Disclosure:

APR – Annual Percentage Rate. Rates/APR 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.

Rates/APR may be subject to change without notice. Current Prime Rate is: 7.50%

Maximum APR is 18%. Floor rate is 5.00%. Draw period is 10 years with 10 additional years to repay. Loan must be a first or second lien position.

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. 

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 out 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. 

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.

Disclosure:

**APR = Annual Percentage Rate 
The minimum loan amount is $10,000 and the maximum is $250,000.
Property insurance is required. Must be a junior 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.

Payments listed do not include amounts for taxes and insurances. Your actual rate, payment, and costs could be higher.