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Rates

Deposit Rates

Effective 03/18/2024

View the Fee Schedule

Certificates of Deposit

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Product Term Interest Rate Annual Percentage Yield Minimum Amount to Open Minimum to Earn APY
Special 11 Month CD 11 months 4.88% 5.00% APY* $500 $500
Special 8 Month CD 8 Months 4.88% 5.00% APY* $500 $500
Special 5 Month CD 5 Months 4.88% 5.00% APY* $500 $500
Starter CD* 12 Months 3.78% 3.85% APY* $100 $100
5 Year CD 5 years 2.81% 2.85% APY* $500 $500
4 Year CD 4 Years 2.81% 2.85% APY* $500 $500
3 Year CD 3 Years 2.81% 2.85% APY* $500 $500
2.5 Year CD 2.5 Years 2.81% 2.85% APY* $500 $500
2 Year CD 2 years 3.05% 3.10% APY* $500 $500
1.5 Year CD 1.5 Years 3.44% 3.50% APY* $500 $500
1 Year CD 12 Months 3.68% 3.75% APY* $500 $500
6 Month CD 6 Months 3.20% 3.25% APY* $500 $500
91 Day CD 91 Days 1.98% 2.00% APY* $500 $500

Disclosure:

2 Year CD and 5 Year CD available to open online.

*APY= Annual Percentage Yield. APY effective as of 3/18/2024.

**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

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Product Term Interest Rate Annual Percentage Yield Minimum Amount to Open Minimum to Earn APY
8 Month IRA CD Special  8 months 4.88% 5.00% APY* $500 $500
5 Month IRA CD Special 5 months 4.88% 5.00% APY* $500 $500
11 Month IRA CD Special 11 months 4.88% 5.00% APY* $500 $500
5 Year IRA CD 5 Years 2.81% 2.85% APY* $500 $500
4 Year IRA CD 4 Years 2.81% 2.85% APY* $500 $500
3 Year IRA CD 3 Years 2.81% 2.85% APY* $500 $500
2.5 Year IRA CD 2.5 Years 2.81% 2.85% APY* $500 $500
2 Year IRA CD 2 Years 3.05% 3.10% APY* $500 $500
1.5 Year IRA CD 1.5 Years 3.44% 3.50% APY* $500 $500
1 Year IRA CD 12 Months 3.68% 3.75% APY* $500 $500
6 Month IRA CD 6 Months 3.20% 3.25% APY* $500 $500
91 Day IRA CD 91 Days 1.98% 2.00% APY* $500 $500
Variable IRA Savings 0.25% 0.25% APY* $25 $25

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 3/18/2024.

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

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Balance Interest Rate APY* Minimum Balance to Earn APY
$0.01-$2,499.99 0.25% 0.25% $25
$2,500-$9,999.99 0.85% 0.85% $2,500
$10,000-$24,999.99 1.00% 1.00% $10,000
$25,000-$49,999.99 1.14% 1.15% $25,000
$50,000-$99,999.99 1.34% 1.35% $50,000
$100,000-$249,999.99 1.49% 1.50% $100,000
$250,000 and above 1.69% 1.70% $250,000

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 3/18/2024.

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.

Effective 03/01/2023

Money Market Account

Open an 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 0.85% 0.85% $2,500
$10,000 - $24,999.99 1.00% 1.00% $10,000
$25,000 - $49,999.99 1.14% 1.15% $25,000
$50,000 - $99,999.99 1.34% 1.35% $50,000
$100,000 - $249,999.99 1.49% 1.50% $100,000
$250,000 and above 1.69% 1.70% $250,000

Disclosure:

*APY- Annual Percentage Yield. APY effective as of 3/1/2023.

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.

Effective 03/01/2023

18/65 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 0.85% 0.85% $25,000
$10,000-$24,999.99 1.00% 1.00% $10,000
$25,000-$49,999.99 1.14% 1.15% $25,000
$50,000-$99,999,.99 1.34% 1.35% $50,000
$100,000-$249,999.99 1.49% 1.50% $100,000
$250,000 and above 1.69% 1.70% $250,000

Disclosure:

*APY- Annual Percentage Yield. APY effective as of 3/1/2023.

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

Open an Account
Account Type APY* Dividend Rate Interest Rate Minimum Amount to Open Minimum to Earn APY
Align Checking - $1 $0
Benefit Checking 0.25% 0.25% $1 $0
MyGoal Savings 0.25% 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
18/65 Savings 0.25% 0.25% $5.00 $0
18/65 Checking $1 $0

Disclosure:

*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.

Consumer Loan Rates

Effective 06/21/2024

Auto Loans

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Vehicle Type Term Annual Percentage Rate as low as Monthly Payment (per $1,000)
New Auto* (Model Years 2022-2024) 36 months 5.99% APR** $30.42
Used Auto (Model Years 2022-2024) 36 months 6.50% APR** $30.65
New/Used Auto (Model Years 2022-2024) 66 months 6.75% APR** $18.19
Used Auto (Model Years < 2022) 36 months 6.50% APR** $30.65
Used Auto (Model Years < 2022) 66 months 6.75% APR** $18.18
New/Used Auto (Model Years 2019-2024) 78 months 7.50% APR** $16.24
New/Used Auto (Model Years 2020/2024) 84 months 8.25% APR** $15.72

Disclosure:

*Brand New-Never been titled.

**APR=Annual Percentage Rate.

Annual Percentage Rate may vary based on your personal credit history. Rate posted is for a 740+ FICO Credit score. Rate is not available to all borrowers and loan requests are subject to Align underwriting criteria. Not available for commercial purpose vehicles. Maximum age of vehicle is 10 years old. 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 $90 VSI Insurance.

Recreational Vehicle Loans

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Vehicle Type Term APR as low as Monthly Payment (per $1,000)
New RV** (Models Years 2022/2024) 10 Years 9.25% APR* $12.81
Used RV***(Model Years < 2022) 10 Years 9.50% APR* $12.94
New RV* (Model Years 2022/2024) 5 Years 8.25% APR* $20.40
Used RV Model Years < 2022 5 Years 8.50% APR* $20.52

Disclosure:

*APR=Annual Percentage Rate

**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

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Motorcycle Year Term Annual Percentage Rate as low as Monthly Payment (per $1,000)
New Motorcycle 2023-2024 66 months 6.50% APR** $18.07
Used Motorcycle 2019-2023 66 months 6.50% APR** $18.07

Disclosure:

**APR= Annual Percentage Rate

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 Loans

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Product APR Maximum Amount Monthly Payment (per $1,000) Term
Personal Loan Special  7.99% APR** $25,000 $31.34 36 Month
Personal Loan Special  8.99% APR** $25,000 $22.59 54 Month

Disclosure:

**APR = Annual Percentage Rate

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. 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.

Credit Card Rates

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Account Type Maximum Amount APR
Platinum Credit Card $20,000 13.50% to 18.00%% APR**

Disclosure:

**APR= Annual Percentage Rate. Prime plus margin

Rates as low as 13.50% Variable APR based on your credit worthiness. APR effective as 08/23/2023. 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

Fixed Mortgage Rates

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Product Rate APR Discount Points Cost per $1000
30 Year Fixed* 6.500% 6.799% APR** 0 $6.32
20 Year Fixed* 6.375% 6.698% APR** 0 $7.38
15 Year Fixed* 6.250% 6.605% APR** 0 8.57
10 Year Fixed* 6.250% 6.706% APR** 0 $11.23

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.

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.

Payments listed do not include amounts for taxes and insurances. Your actual rate, payment, and costs could be higher.

Adjustable Rate Mortgages

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Product Rates APR Discount Points Term Rate Caps Fully Indexed Rate Range of Monthly Payments per $10,000
3/1 Adjustable Rate Mortgage1 6.125% 7.337% APR** 0% 360 2%/2%/5% 7.460% Year 1-3 $60.76
Year 4 $54.10-$73.40
Year 5 $54.10-$86.60
Year 6-30 $54.10-$93.33
5/1 Adjustable Rate Mortgage 2 6.375% 7.243% APR** 0% 360 2%/2%/5% 7.460% Year 1-5 $62.39
Year 6 $54.60-$74.50
Year 7 $54.60-$87.10
Year 8- 30 $54.60-$93.60
7/1 Adjustable Rate Mortgage3 6.625% 7.241% APR** 0% 360 2%/2%/5%

7.460%

Years 1-7 $64.03
Years 8 $55.30-$75.60
Years 9 $55.30-$87.60
Years 10-30 $55.30-$93.70

Disclosure:

**APR=Annual Percentage Rate
Rate subject to change without notice.

Adjustable Rate APR subject to increase after initial discount rate period.

1For example, on a $10,000, 30 year loan with an initial interest rate of 6.125% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 11.125% and the monthly payment can rise from an initial payment of $60.76 to a maximum of $93.33 in the 61st 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 60.76 = $364.56 per month. (Margin 2.50, Floor Rate 5.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index) 

2For example, on a $10,000, 30 year loan with an initial interest rate of 6.375% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 11.375% and the monthly payment can rise from an initial payment of $62.39 to a maximum of $93.60 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 62.39 = $374.34 per month. (Margin 2.50, Floor Rate 5.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)

3For example, on a $10,000, 30 year loan with an initial interest rate of 6.625% the maximum amount the interest rate can rise under this program is 5.00 percentage points to 11.625% and the monthly payment can rise from an initial payment of $64.03 to a maximum of $93.70 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 64.03 = $384.18 per month. (Margin 2.50, Floor Rate 5.00%, the maximum amount the rate can increase or decrease at each rate change is 2% & the maximum amount the rate can increase over the life of the loan is 5% [Rate Caps], used the 1 year Constant Maturity Treasury Index)

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.

Loan to value over 80% - add 0.25% to the rate.
 
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

Fixed Jumbo

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Product Rates APR Discount Points Cost per $1000
Jumbo 30 6.875% 6.921% APR** 0 $6.57

Disclosure:

Loan must meet secondary market guidelines, please see additional disclosures below.

Loan to value over 80% requires private mortgage insurance.                   

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 $1,000,000.00.

Additional Disclosures:

**APR = Annual Percentage Rate

LTV = Loan-To-Value

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 rates. 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. 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. Membership Requirement: An account must be established prior to the loan closing in order to meet the membership eligibility requirements.

Payments listed do not include amounts for taxes and insurances. Your actual rate, payment, and costs could be higher.

Home Equity Line of Credit

Apply for a Home Equity
Product Intro rate fixed for 12 months After Introductory Rate Current Rate without Introductory Offer
Home Equity Line of Credit 4.990% APR* Prime - 1.00% adjusting monthly 7.500% APR

Disclosure:

*APR – Annual Percentage Rate. APR and rates may be subject to change without notice.

**HELOC - An introductory Annual Percentage Rate (APR) as low as 4.99% for the first twelve billing cycles with a daily periodic rate of 0.0136338798%. Thereafter, the APR will be set on the 1st business day of each month which will be either a floor rate of 5.00% APR with a daily periodic rate of 0.0136612022%, or, Prime Rate (published in the Wall Street Journal on the 1st day of each month) minus 1.00%, whichever is greater.

Current Prime Rate is: 8.50%

Maximum rate is 18%. Floor rate is 5.00%. Draw period is 10 years with 10 additional years to repay. Loan must be a first or second lien position.

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. 

Equity determined by taking 80% of property value and deducting the balance of any mortgages. If appraisal is required, the charge will range from $475 to $700. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. Rate subject to change after consummation.

An Early Termination Fee will be assessed if the HELOC is closed within the first 24 months after consummation. The fee will range from $623.24 to $1,762.29 and will be determined based upon the fees incurred by Align Credit Union during the processing and consummation of the HELOC.

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.

Product Rates APR Cost per $1000
Fixed 5 Year 6.750% 7.114% APR** $19.68
Fixed 10 Year 7.250% 7.452% APR** $11.74
Fixed 15 Year 7.500% 7.647% APR** $9.27
Fixed 20 Year 7.750% 7.872% APR** $8.21

Disclosure:

**APR=Annual Percentage Rate

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 offered may be adjusted based on credit history and other factors – this may result in a higher rate than our published rate.

Payments listed do not include amounts for taxes and insurances. Your actual rate, payment, and costs could be higher.

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.

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