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Electronic Statement Access Alert:

Some members may experience limited access to their electronic statements. This is a temporary issue, and our team is actively working to resolve it. At this time: Only accounts associated with your surviving member number may appear on your statement. If your member number was previously changed, you may only see statements generated after that change. We apologize for any inconvenience and appreciate your patience as we work to resolve this issue.

Juneteenth Closure:

All Align branches will be CLOSED on Friday, June 19, 2026, in observance of Juneteenth.

Transactions can be made during this time by accessing your account through online, mobile* and telephone banking.  We appreciate your understanding and apologize for any inconvenience this may cause.  * Message and data charges may apply.

Online Account Opening Notice: Online account opening will be unavailable beginning Friday, May 29 at 4:30 PM due to our system update. To open a new membership or an additional account, please visit any branch location starting Monday, June 1. We apologize for any inconvenience and appreciate your understanding as we work to restore service.

Home Refinance

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. If you want to take advantage of lower interest rates or the value of your home has increased, refinancing may make sense for you. But is it the right option?

Our home refinance process will help you take control of your mortgage expenses. We can help you decide by looking at the big picture and what you want to accomplish. 

Fixed Rate Mortgage

  • 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.

Adjustable Rate Mortgage

  • Fixed interest rate for the initial term then adjust for second term option according to an index.
  • Saves money with lower starting interest rate compared to a fixed rate.
  • 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.

Disclosure:

APR= Annual Percentage Rate 

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