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

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

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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

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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

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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

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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.

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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.

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Disclosure:
Members must maintain a $5 deposit relationship. Subject to credit approval.
**Personal Loan. Subject to credit approval. Annual Percentage Rate effective 6/01/2020. APR based on your individual creditworthiness. The estimated monthly payment for a 54-month loan would be $22.23 per $1,000 borrowed.