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Credit Union Happenings:

We are making significant investments in our systems to improve the quality of service we provide to our members with the first one coming in August to our business and consumer credit card.  To learn more please visit: July 2025 - Credit Union Happenings

 

CU Rewards Program Reminder:

Align Credit Union discontinued the CU Rewards Program for both Debit and Credit Cards effective 06/30/2025. All rewards were required to be redeemed by that date; any unredeemed rewards after 06/30/2025 are no longer valid.

 

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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