Rates

Deposits Rates

Certificates of Deposit
Effective 04/1/2021
View the Fee Schedule

Product Term Interest Rate APY Minimum Amount to Open Minimum to Earn
Special 21 Month CD 21 months 0.70% 0.70% $500 $500
Special 7 Month CD 7 Months 0.45% 0.45% $500 $500
Starter CD* 12 Months 0.50% 0.50% $100 $100
5 Year CD 5 years 1.00% 1.00% $500 $500
4 Year CD 4 Years 0.85% 0.85% $500 $500
3 Year CD 3 Years 0.75% 0.75% $500 $500
2.5 Year CD 2.5 Years 0.65% 0.65% $500 $500
2 Year CD 2 years 0.60% 0.60% $500 $500
1.5 Year CD 1.5 Years 0.50% 0.50% $500 $500
1 Year CD 12 Months 0.40% 0.40% $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 0.45% 0.45% $500 $500
21 Month IRA CD Special 21 months 0.70% 0.70% $500 $500
5 Year IRA CD 5 Years 1.00% 1.00% $500 $500
4 Year IRA CD 4 Years 0.85% 0.85% $500 $500
3 Year IRA CD 3 Years 0.75% 0.75% $500 $500
2.5 Year IRA CD 2.5 Years 0.65% 0.65% $500 $500
2 Year IRA CD 2 Years 0.60% 0.60% $500 $500
1.5 Year IRA CD 1.5 Years 0.50% 0.50% $500 $500
1 Year IRA CD 12 Months 0.40% 0.40% $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
Below $2,500 0.25% 0.25% $25
$2,500-$9999 0.30% 0.30% $2,500
$10,000-$24,999 0.40% 0.40% $10,000
$25,000-$49,999 0.50% 0.50% $25,000
$50,000-$99,999 0.60% 0.60% $50,000
$100,000-$249,999 0.70% 0.70% $100,000
$250,000 and above 0.80% 0.80% $250,000
*Rates effective 4/1/2020.
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
Below $2,500 0.25% 0.25% $25
$2,500 - $9,999 0.30% 0.30% $2,500
$10,000 - $24,999 0.35% 0.35% $10,000
$25,000 - $49,999 0.40% 0.40% $25,000
$50,000 - $99,999 0.45% 0.45% $50,000
$100,000 - $249,999 0.50% 0.50% $100,000
$250,000 and above 0.55% 0.55% $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
View Fee Schedule.

Consumer Loan Rates

Auto Loans
Effective 1/11/2021

Vehicle Type APR as low as* Monthly Payment (per $1,000) Term
New / Used Auto Purchase 1.99% $28.64 3 Years
New/Used Auto Refinance 1.99% $28.64 3 Years

*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.

Personal Loans
 

Product APR as low as Maximum Amount* Monthly Payment (per $1,000) Term
Personal Loan Special** 5.99% $20,000 $30.42 54 month
Personal Loan* 10.25% $20,000 $23.20 54 Month

*Contact us for rates and terms for higher loan amounts.
**Subject to credit approval. Annual Percentage Rate effective 3/8/2021. Th estimated monthly payment for a 36-month loan would be $30.42 per $1,000 borrowed. Limited time offier. Existing balances do not qualify for the promotional 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. Credit Union membership is required.
 
 

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 Discount Points Cost per $1000 APR
30 Year Fixed* 3.250% 0% $4.35 3.410%
20 Year Fixed* 3.000% 0% $5.55 3.222%
15 Year Fixed* 2.500% 0% $6.67 2.780%
10 Year Fixed* 2.500% 0% $9.43 2.910%

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.
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.

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.