Personal Loans

Personal Loans

Whether you're looking to consolidate debt, cover unexpected expenses or treat yourself to a much-needed vacation, a personal loan could be the right choice for you. Because everyone’s expenses are different, our loans are too. Our application process is fast and easy and with low rates and flexible terms, we can help you find the solution that best fits your needs.

Holiday Loan

Our Holiday Loan can help you spread extra cheer.
  • Special fixed rate of 5.99% APR*
  • Borrow up to $2,500 for 12 months
  • Available until February 28, 2022
  • No fees or pre-payment penalties

Personal Loan

  • Rate as low as 8.25% APR**
  • Borrow up to $20,000 for 54 months
  • No fees or prepayment penalties
  • Affordable monthly payments

Savings Secured Personal Loan

  • Borrow against your Align Savings or CD
  • Borrow up to 90% of the available balance in your account
  • Interest rate is 3% above current dividend rate
  • Shares continue to earn dividends

Overdraft Line of Credit

  • Attached to your Align checking account
  • No bounced check fees or monthly fees
  • No application fee
  • No prepayment penalties
  • Pay only on the amount you have used plus applicable interest

Credit Builder Loan

  • Low fixed interest rate
  • Borrow from $500 - $2500
  • Payment history is reported to credit bureaus which will establish your credit history as you make payments
Convenient Access to Your Accounts

Convenient Access to Your Accounts

With Align’s eServices, you can access your accounts anytime, anywhere, and on any device. Between online banking and our mobile apps, you can take control of your money on your own terms.
Debt Protection for Life’s Curveballs

Debt Protection for Life’s Curveballs

This voluntary loan payment protection product is designed to cancel your loan payment or balance when unexpected protected losses occur, such as disability, loss of life or involuntary unemployment.
Disclosure:

Members must maintain a $5 deposit relationship. Subject to credit approval.
*Subject to credit approval. Annual Percentage Rate effective as of 10/26/2021. The estimated payment would be 12 monthly installments of $86.06 per $1,000 borrowed.  Limited time offer.  Credit union membership is required.  Members must maintain a $5 deposit relationship.

**Personal Loan. Subject to credit approval. Annual Percentage Rate effective 6/01/2021. APR based on your individual creditworthiness. The estimated monthly payment for a 54-month loan would be $22.23 per $1,000 borrowed.