Rates

Deposits Rates

Certificates of Deposit
Effective 12/1/2021
View the Fee Schedule

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
Special 21 Month CD 21 months 0.60% 0.60% $500 $500
Special 7 Month CD 7 Months 0.40% 0.40% $500 $500
Starter CD* 12 Months 0.45% 0.45% $100 $100
5 Year CD 5 years 0.90% 0.90% $500 $500
4 Year CD 4 Years 0.75% 0.75% $500 $500
3 Year CD 3 Years 0.70% 0.70% $500 $500
2.5 Year CD 2.5 Years 0.60% 0.60% $500 $500
2 Year CD 2 years 0.55% 0.55% $500 $500
1.5 Year CD 1.5 Years 0.45% 0.45% $500 $500
1 Year CD 12 Months 0.35% 0.35% $500 $500
6 Month CD 6 Months 0.30% 0.30% $500 $500
91 Day CD 91 Days 0.25% 0.25% $500 $500
2 Year CD and 5 Year CD available to open online.
APY= Annual Percentage Yield
*Starter CD: 2 additional deposits with a minimum of $ 100.  Available to members 5-17 years old

Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit.  Membership eligibility requirements must be met.

IRA Certificates

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
7 Month IRA CD Special 7 months 0.40% 0.40% $500 $500
21 Month IRA CD Special 21 months 0.60% 0.60% $500 $500
5 Year IRA CD 5 Years 0.90% 0.90% $500 $500
4 Year IRA CD 4 Years 0.75% 0.75% $500 $500
3 Year IRA CD 3 Years 0.70% 0.70% $500 $500
2.5 Year IRA CD 2.5 Years 0.60% 0.60% $500 $500
2 Year IRA CD 2 Years 0.55% 0.55% $500 $500
1.5 Year IRA CD 1.5 Years 0.45% 0.45% $500 $500
1 Year IRA CD 12 Months 0.35% 0.35% $500 $500
6 Month IRA CD 6 Months 0.30% 0.30% $500 $500
91 Day IRA CD 91 Days 0.25% 0.25% $500 $500
Variable IRA Savings 0.25% 0.25% $25 $25
APY= Annual Percentage Yield
Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit,  Membership eligibility requirements must be met. 

Tiered IRA Savings
 

Balance Interest Rate APY Minimum Balance to Earn APY
$0.01-$2,499.99 0.25% 0.25% $25
$2,500-$9,999.99 0.30% 0.30% $2,500
$10,000-$24,999.99 0.30% 0.30% $10,000
$25,000-$49,999.99 0.35% 0.35% $25,000
$50,000-$99,999.99 0.35% 0.35% $50,000
$100,000-$249,999.99 0.40% 0.40% $100,000
$250,000 and above 0.45% 0.45% $250,000
*Rates effective 12/1/2021
APY= Annual Percentage Yield
Rates are variable and may change after the account is opened.  Fees may reduce earnings on the account. Interest rate tier earned is based on the daily balance of the account.  IRA transactions are subject to IRA rules and regulations.  Minimum deposits required to open this account is $2,500.  Membership eligibility requirements must be met. 

Money Market Account
 

Balance Interest Rate APY Minimum Balance to Earn APY
$0.01-$2,499.99 0.25% 0.25% $25
$2,500 - $9,999.99 0.30% 0.30% $2,500
$10,000 - $24,999.99 0.30% 0.30% $10,000
$25,000 - $49,999.99 0.35% 0.35% $25,000
$50,000 - $99,999.99 0.35% 0.35% $50,000
$100,000 - $249,999.99 0.40% 0.40% $100,000
$250,000 and above 0.45% 0.45% $250,000
APY- Annual Percentage Yield. Rates are variable and may change after the account is opened.  Fees may reduce earnings on the account.  Interest rate tier earned is based on the daily balance of the account.  Minimum deposits required to open this account is $2,500. Membership eligibility requirements must be met.

Savings & Checking Accounts
View the Fee Schedule

 

Account APY Dividend Rate Interest Rate Minimum to Open Minimum to Earn APY
Align Checking -- -- -- $1 $0
Benefit Checking 0.25% -- 0.25% $1 $0
MyGoal Savings 0.25% -- 0.25% $1 $25
Student Checking* 0.25% -- 0.25% $0 $0
Membership Savings 0.25% 0.25% -- $5 $5
Holiday Club 0.10% 0.10% $1 $25

*Available to members age 14-24
APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees May reduce earnings on the account. Membership eligibility requirements must be met.
 

APY= Annual Percentage Yield
 

Consumer Loan Rates

Auto Loans
Effective 05/9/2022

Vehicle Type Term Annual Percentage Rate as low as* Monthly Payment (per $1,000)
Model Years 2022-2020 36 months 1.50% $28.42
Model Years 2022-2020 66 months 2.00% $16.01
Model Years 2022-2020 78 months 2.50% $13.90
Model Years 2022-2020 84 months 4.25% 13.78
Model Years 2019 to 2021 36 months 1.50% $28.42
Model Years 2019 to 2021 66 months 2.00% $16.01

*APR=Annual Percentage Rate.  Annual Percentage Rate may vary based on your personal credit history.  Rate posted is for a 700+ FICO Credit score and 36 months.  Rate is not available to all borrowers and loan requests are subject to Align underwriting criteria.  Not available for commercial purpose vehicles.  Other rates, terms, and conditions may apply.  Payments reflect principal and interest only.  Additional .25% rate discount if the loan to value is less than 70%. Loan to value is calculated based on loan amount and NADA or sticker price of vehicle.
 
Programs, rates, terms and conditions subject to change without notice.  All loans subject to credit approval.  Credit union membership is required.  Members must maintain a $5 deposit relationship.  Amount financed includes $60 VSI Insurance.

 

Recreational Vehicle Loans
 

Vehicle Type APR as low as Monthly Payment (per $1,000) Term
New RV* 8.25% $12.27 10 Years
Used RV** 8.50% $14.40 8 Years
*Maximum amount is 100% of NADA Book Value or Sticker Price
**Maximum amount is 100% of NADA Book Value
Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.

Motorcycle Loans

Motorcycle Year Annual Percentage Rate as low as* Monthly Payment Per $1,000
New Motorcycle 2020-2021 5.50% $17.59
Used Motorcycle 2016-2019 8.50% $19.02
APR may vary based on your personal credit history. Other rates and terms available. Payments reflect principal and interest only. Loan to value is calculated based on loan amount and NADA of the motorcycle. All loans subject to credit approval. Credit Union membership is required.

Up to 100% financing based on NADA Retail value and credit score.

Personal Loan Special
 

Product APR as low as Maximum Amount* Monthly Payment (per $1,000) Term
Personal Loan* 5.99% $20,000 $21.64 54 Month

*Contact us for rates and terms for higher loan amounts.

*Subject to credit approval. Annual Percentage Rate (APR) may vary based on your personal credit history. 5.99% rate is for a 740+ FICO Score and 36 months or 6.99% for 740+ FICO Score and 54 months. APR effective from 3/1/2022 until 5/31/2022. The estimated payment would be 36 monthly installments of $30.42 per $1,000 borrowed or 54 monthly installments of $21.64 per $1,000 borrowed. Limited time offer. Existing balances do not qualify for the promotional rate. Credit union membership required. Members must maintain a $5 deposit relationship
 

Credit Card Rates
Effective 05/26/2020

Account Type Maximum Amount APR*
Platinum Credit Card $20,000 8.25% to 13.25%
*prime plus margin
Rates as low as 8.25% Variable APR based on your credit worthiness. APR effective as 08/23/2019. Other fees may include: Cash Advance fee of 2% of the cash advance or $5.00 minimum. $90 maximum; Foreign Transaction Fee of 1% of transaction in U.S. Dollars; Returned Payment Fee of up to $20; Late Payment Fee of 10% of the outstanding balance or maximum of $10.
Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required.

Mortgage Rates

Product Rate APR Discount Points Cost per $1000
30 Year Fixed* 4.750% 4.994% 0% $5.22
20 Year Fixed* 4.500% 4.763% 0% $6.33
15 Year Fixed* 3.875% 4.159% 0% $7.33
10 Year Fixed* 3.875% 4.246% 0% $10.07

Disclosure:

APR= Annual Percentage Rate 
LTV=Loan-To-Value
Loan must meet secondary market guidelines, please see additional disclosures below.
Loan-to-value over 80% requires private mortgage insurance.
Point options are available upon request from your Loan Officer.

Adjustable Rate Mortgages

Product Rates APR Discount Points Term Rate Caps Monthly Payment Per $10,000
3/3 Adjustable Rate Mortgage* 2.250% 4.130% 0% 360 2%/2%/6% $38.22 Years 1 - 3 $48.17 Years 4 - 6 $58.31 Years 7 - 9 $68.30 Years 10- 30
5/1 Adjustable Rate Mortgage** 2.500% 3.509% 0% 360 2%/2%/6% $39.51 Years 1 - 5 $48.95 Year 6 $59.12 Year 7 $69.87 Years 8 - 30
Adjustable Rate APR subject to increase after initial discount rate period.
*For example, on a $10,000, 30 year loan with an initial interest rate of 2.250% the maximum amount the interest rate can rise under this program is 6.00 percentage points to 8.250% and the monthly payment can rise from an initial payment of $38.22 to a maximum of $68.34 in the 109th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 38.22 = $229.32 per month. (Margin 2.75, Floor Rate 3.00%, 2/2/6% Caps, used the 3 year Constant Maturity Treasury Index) 
 
 

Adjustable Rate APR subject to increase after initial discount rate period. **For example, on a $10,000, 30 year loan with an initial interest rate of 2.500% the maximum amount the interest rate can rise under this program is 6.00 percentage points to 8.500% and the monthly payment can rise from an initial payment of $39.51 to a maximum of $69.87 in the 85th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 / $10,000 = 6; 6 x 39.51 = $237.06 per month. (Margin 2.75, Floor Rate 3.00%, 2/2/6% Caps, used the 1 year Constant Maturity Treasury Index)

APR = Annual Percentage Rate. Rates may be subject to change without notice
 
Please keep in mind that the actual rates offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in a lower or higher rate than our published rate.
 
Rates displayed assume a 60% loan-to-value, Purchase of a single family residence, and a Fico Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Payment example is based on a loan amount of $100,000.00.
 
Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
 
Payments listed do not include amounts for taxes and insurances.
 
Loan must meet secondary market guidelines
 
Loan-to-value over 80% requires private mortgage insurance.
 
Point options are available upon request from your Loan Officer
 
Membership Requirement: An account must be established prior to the loan closing in order to meet the membership eligibility requirements. Align members must maintain a $5 deposit relationship.
 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. NMLS ID 423280
 


 

Home Equity Line of Credit

Product Intro rate fixed for 24 months Then Prime Plus 0.00% Current Rate without Introductory Offer
Home Equity Line of Credit 1.99% 0.00% 4.00%
APR – Annual Percentage Rate. Rates may be subject to change without notice.

HELOC - An introductory Annual Percentage Rate (APR) as low as 1.99% for the first twenty
four billing cycles with a daily periodic rate of 0.00545%. Thereafter, the APR will be set on the
25th business day of each month which will be either a floor rate of 3.00% APR with a daily
periodic rate of 0.00959%, or, the Prime Rate published in the Wall Street Journal on the 25th
day of each month, whichever is greater.
Current Prime Rate is: 4.00%
Maximum rate is 18%. Floor rate is 3.00%. Draw period is 10 years with 10 additional years to
repay. Loan must be a first or second lien position.

Equity determined by taking 80% of property value and deducting the balance of any mortgages. If appraisal is required, the charge will range from $400 to $550. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. Rate subject to change after consummation.

Align members must maintain a $5 deposit relationship.

Offer applies to owner occupied primary residences and second home residences only. Offer may be withdrawn without notice. All requests subject to credit approval.

Home Equity Loan

Product Rate APR* Cost per $1,000
Fixed 5 Year 3.000% 3.051% $17.97
Fixed 10 Year 3.500% 3.531% $9.89
Fixed 15 Year 4.500% 4.528% $7.65
Fixed 20 Year 5.375% 5.402% $6.81
The minimum loan amount is $10,000 and the maximum is $250,000.
Property insurance is required. Must be a junior lien position.
All requests are subject to credit approval.
Actual rate and margin offered may be adjusted based on credit history and other factors – this may result in a higher rate than our published rate.
Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Membership Requirement: An account must be established prior to the loan closing in order to meet the membership eligibility requirements.