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Christmas Closure:

In recognition of the Christmas holiday all Align branches will be closing early at 2PM on Wednesday, December 24, 2025, and will be closed on Thursday, December 25, 2025. All branches will resume normal operations at 11 a.m. on Friday, December 26, 2025. Please note that Online, Mobile, and Telephone Banking services will remain accessible throughout this period.

Credit Union Happenings:

The fall edition of Credit Union Happenings features important updates, including our new debit card service provider, enhancements to our back-office system, highlighted products, and introductions to our branch managers. Click here to learn more!

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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