Skip to main content

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.

Personal Loan Special

  • Rates as low as 7.99% APR** for 36 months or 8.99% APR** for 54 months
  • Borrow up to $25,000
  • No fees or prepayment penalties
  • Affordable monthly payments

Contact us at (800) 942-9575 for rates and terms for higher loan amounts.

**Subject to credit approval. Annual Percentage Rate (APR) may vary based on your personal credit history. 7.99% rate is for a 700+FICO Score and 36-month term. The established payment would be 36 monthly installments of $31.34 per $1,000 borrowed. 8.99% rate is for a 700+FICO Score and 54-month term. The established payment would be 54 monthly installments of $22.59 per $1,000 borrowed. Limited time offer. APR effective from 6/21/2024 until 8/31/2024. Existing balances do not qualify for the promotional rate. Credit Union membership required. Members must maintain a $5 deposit relationship.

Additional Loan Options

Savings Secured Personal Loans

  • 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 - $2,500
  • Payment history is reported to credit bureaus which will establish your credit history as you make payments


Give your budget a boost with Align’s Skip-A-Payment Program*! Take a break from your loan payment and put some extra cash in your pocket to cover bills and expenses.

  • $35 processing fee per deferred payment
  • Loan must be open for a minimum of six (6) months to be eligible for Skip-A-Payment
  • Membership must be in good standing


*Your account must be in good standing. This means all loans and account balances must be current and in good standing when the Skip-A-Payment agreement is received by the Credit Union. If a loan was 30 days or more delinquent in the previous 6 months, it is not eligible to Skip-A-Payment. If any borrower on the loan has filed for bankruptcy, the loan is not eligible for Skip-A-Payment. This offering is not available on loans during the first 6 months of your loan agreement. Maximum (2) two skipped payments per calendar year and (4) four skipped payments for the life of the loan. There must be a minimum of (4) four timely monthly payments between skipped payments. No consecutive skipped payments will be allowed. This offer is for closed-end consumer loans only and excludes all real estate secured loans including Mortgages, Home Equity Lines of Credit, Overdraft Lines of Credit, Credit Cards and Commercial loans. Only personal, MassSave HEAT, automobile, motorcycle, and recreational vehicle loans are eligible. You may Skip-A-Payment on more than one loan for a $35 processing fee for each loan. If you choose to have the processing fee(s) deducted from your Credit Union savings or checking account, the funds must be available for withdrawal. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in having to pay higher total Finance Charges and possibly a greater total number of payments, than if you made these payments as originally scheduled. This means additional payment(s) may be due after the loan would have originally been paid off. You agree to contact the Credit Union for exact payoff information. Your next monthly payment will include the finance charges accrued from the skipped month. If you elected GAP coverage, your coverage may not be extended beyond the original maturity date. The expiration dates of GAP coverage, accident, life, disability, or other insurance will not be extended from the terms outlined on your original loan agreement.  All other terms of your original loan agreement will remain the same. Align Credit Union reserves the right to revoke this offer at any time if your loan does not meet the criteria for this program, which include, but are not limited to: market conditions; no bankruptcy; and a satisfactory payment record.

This website uses cookies in order to offer you the most relevant information. Please "Accept & Continue" for optimal site performance. For more information, please visit our Privacy Policy page.